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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 | $86,030 | $209,336-58.9% | $197,124-56.4% | $137,256-37.3% |
| Participation rate | 42.9% | 87.3%-44.4pp | 86.7%-43.9pp | 80.0%-37.1pp |
| Annual return | 15.52% | 48.09%-32.6pp | 44.34%-28.8pp | 220.34%-204.8pp |
| Employer contribution / active EE | $930 | $6,591-85.9% | $6,227-85.1% | $4,156-77.6% |
| Participant deferral / active EE | $5,166 | $9,614-46.3% | $9,135-43.4% | $6,407-19.4% |
| Admin fee / account holder | $1,000 | $17,308-94.2% | $16,298-93.9% | $12,270-91.9% |