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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 | $103,390 | $140,592-26.5% | $123,105-16.0% | $125,389-17.5% |
| Participation rate | 50.0% | 88.2%-38.2pp | 86.8%-36.8pp | 83.2%-33.2pp |
| Annual return | 5.25% | 16.80%-11.5pp | 13.22%-8.0pp | 282.24%-277.0pp |
| Employer contribution / active EE | $643 | $6,041-89.4% | $5,151-87.5% | $4,866-86.8% |
| Participant deferral / active EE | $9,000 | $6,980+28.9% | $6,229+44.5% | $5,352+68.2% |
| Admin fee / account holder | $3,883 | $11,198-65.3% | $9,014-56.9% | $9,541-59.3% |