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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 | $89,481 | $181,898-50.8% | $156,551-42.8% | $273,968-67.3% |
| Participation rate | 25.0% | 88.4%-63.4pp | 84.0%-59.0pp | 83.0%-58.0pp |
| Annual return | 6.97% | 30.74%-23.8pp | 32.23%-25.3pp | 41.45%-34.5pp |
| Employer contribution / active EE | $960 | $6,248-84.6% | $5,501-82.5% | $4,869-80.3% |
| Participant deferral / active EE | $2,750 | $5,550-50.5% | $4,871-43.5% | $5,287-48.0% |
| Admin fee / account holder | $1,330 | $15,560-91.5% | $13,028-89.8% | $10,132-86.9% |