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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 | $123,261 | $112,729+9.3% | $98,716+24.9% | $137,256-10.2% |
| Participation rate | 29.4% | 74.2%-44.8pp | 69.3%-39.9pp | 80.0%-50.5pp |
| Annual return | 14.94% | 38.48%-23.5pp | 31.81%-16.9pp | 220.34%-205.4pp |
| Employer contribution / active EE | $308 | $2,725-88.7% | $2,279-86.5% | $4,156-92.6% |
| Participant deferral / active EE | $3,484 | $4,640-24.9% | $4,048-13.9% | $6,407-45.6% |
| Admin fee / account holder | $1,912 | $10,129-81.1% | $8,703-78.0% | $12,270-84.4% |