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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 | $95,579 | $251,004-61.9% | $191,597-50.1% | $138,895-31.2% |
| Participation rate | 37.5% | 82.4%-44.9pp | 76.9%-39.4pp | 79.9%-42.4pp |
| Annual return | 12.56% | 31.05%-18.5pp | 27.07%-14.5pp | 145.39%-132.8pp |
| Employer contribution / active EE | $1,249 | $6,226-79.9% | $5,025-75.1% | $4,194-70.2% |
| Participant deferral / active EE | $3,755 | $8,154-53.9% | $6,850-45.2% | $6,396-41.3% |
| Admin fee / account holder | $617 | $31,471-98.0% | $22,799-97.3% | $12,562-95.1% |