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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 | $127,222 | $254,759-50.1% | $216,567-41.3% | $198,609-35.9% |
| Participation rate | 68.4% | 84.5%-16.1pp | 81.6%-13.2pp | 82.4%-14.0pp |
| Annual return | 12.62% | 10.04%+2.6pp | 12.94%-0.3pp | 202.70%-190.1pp |
| Employer contribution / active EE | $0 | $6,096-100.0% | $5,216-100.0% | $5,055-100.0% |
| Participant deferral / active EE | $4,850 | $6,948-30.2% | $6,191-21.7% | $6,977-30.5% |
| Admin fee / account holder | $723 | $26,311-97.3% | $21,981-96.7% | $19,030-96.2% |