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Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Employer contribution per participant is in the bottom quintile of the peer cohort.
Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
Fidelity bond coverage is below the ERISA section 412 10%-of-assets minimum (capped at $500,000).
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $114,411 | $162,967-29.8% | $135,792-15.7% | $138,895-17.6% |
| Participation rate | 47.1% | 78.3%-31.3pp | 72.6%-25.5pp | 79.9%-32.9pp |
| Annual return | 13.94% | 30.08%-16.1pp | 25.96%-12.0pp | 145.39%-131.5pp |
| Employer contribution / active EE | $674 | $4,211-84.0% | $3,496-80.7% | $4,194-83.9% |
| Participant deferral / active EE | $1,712 | $5,640-69.7% | $4,759-64.0% | $6,396-73.2% |
| Admin fee / account holder | $5,773 | $15,306-62.3% | $12,266-52.9% | $12,562-54.0% |