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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 | $73,965 | $106,524-30.6% | $152,301-51.4% | $87,485-15.5% |
| Participation rate | 69.0% | 75.8%-6.8pp | 82.4%-13.5pp | 68.9%0pp |
| Annual return | 16.72% | 26.89%-10.2pp | 80.50%-63.8pp | 26.06%-9.3pp |
| Employer contribution / active EE | $415 | $3,371-87.7% | $4,624-91.0% | $2,596-84.0% |
| Participant deferral / active EE | $3,375 | $6,525-48.3% | $8,004-57.8% | $4,274-21.0% |
| Admin fee / account holder | $1,230 | $8,287-85.2% | $14,398-91.5% | $7,775-84.2% |