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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 | $195,145 | $185,312+5.3% | $161,489+20.8% | $154,746+26.1% |
| Participation rate | 30.8% | 82.5%-51.7pp | 78.7%-47.9pp | 80.7%-49.9pp |
| Annual return | 18.97% | 103.84%-84.9pp | 89.72%-70.8pp | 172.34%-153.4pp |
| Employer contribution / active EE | $724 | $4,769-84.8% | $4,268-83.0% | $4,379-83.5% |
| Participant deferral / active EE | $4,366 | $6,350-31.2% | $5,630-22.4% | $6,730-35.1% |
| Admin fee / account holder | $1,605 | $18,654-91.4% | $16,006-90.0% | $14,365-88.8% |