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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 | $93,671 | $184,014-49.1% | $161,149-41.9% | $138,895-32.6% |
| Participation rate | 44.4% | 82.1%-37.6pp | 78.8%-34.4pp | 79.9%-35.5pp |
| Annual return | 12.53% | 21.52%-9.0pp | 21.16%-8.6pp | 145.39%-132.9pp |
| Employer contribution / active EE | $678 | $5,055-86.6% | $4,360-84.5% | $4,194-83.8% |
| Participant deferral / active EE | $4,336 | $6,909-37.2% | $6,153-29.5% | $6,396-32.2% |
| Admin fee / account holder | $1,000 | $18,027-94.5% | $15,194-93.4% | $12,562-92.0% |