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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 | $73,115 | $106,749-31.5% | $145,433-49.7% | $82,448-11.3% |
| Participation rate | 57.7% | 75.6%-18.0pp | 82.1%-24.4pp | 68.1%-10.4pp |
| Annual return | 17.57% | 27.59%-10.0pp | 66.58%-49.0pp | 41.64%-24.1pp |
| Employer contribution / active EE | $569 | $3,444-83.5% | $4,554-87.5% | $2,551-77.7% |
| Participant deferral / active EE | $7,656 | $6,519+17.4% | $7,897-3.1% | $4,139+85.0% |
| Admin fee / account holder | $7,634 | $8,390-9.0% | $13,129-41.9% | $7,234+5.5% |