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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 | $125,918 | $172,111-26.8% | $150,298-16.2% | $137,256-8.3% |
| Participation rate | 22.2% | 81.7%-59.5pp | 77.8%-55.5pp | 80.0%-57.7pp |
| Annual return | 19.86% | 69.37%-49.5pp | 62.79%-42.9pp | 220.34%-200.5pp |
| Employer contribution / active EE | $494 | $4,636-89.4% | $4,154-88.1% | $4,156-88.1% |
| Participant deferral / active EE | $2,358 | $6,166-61.8% | $5,453-56.8% | $6,407-63.2% |
| Admin fee / account holder | $13,959 | $16,471-15.3% | $14,116-1.1% | $12,270+13.8% |