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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 | $74,639 | $94,436-21.0% | $115,599-35.4% | $82,637-9.7% |
| Participation rate | 57.9% | 70.4%-12.5pp | 74.3%-16.4pp | 68.1%-10.2pp |
| Annual return | 18.73% | 18.37%+0.4pp | 111.10%-92.4pp | 53.51%-34.8pp |
| Employer contribution / active EE | $505 | $2,324-78.3% | $2,955-82.9% | $2,552-80.2% |
| Participant deferral / active EE | $3,561 | $3,955-10.0% | $4,889-27.2% | $4,126-13.7% |
| Admin fee / account holder | $2,095 | $10,328-79.7% | $12,841-83.7% | $7,339-71.5% |