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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 | $97,228 | $185,312-47.5% | $161,489-39.8% | $154,746-37.2% |
| Participation rate | 60.0% | 82.5%-22.5pp | 78.7%-18.7pp | 80.7%-20.7pp |
| Annual return | 18.16% | 103.84%-85.7pp | 89.72%-71.6pp | 172.34%-154.2pp |
| Employer contribution / active EE | $971 | $4,769-79.6% | $4,268-77.3% | $4,379-77.8% |
| Participant deferral / active EE | $7,780 | $6,350+22.5% | $5,630+38.2% | $6,730+15.6% |
| Admin fee / account holder | $5,249 | $18,654-71.9% | $16,006-67.2% | $14,365-63.5% |