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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 | $74,623 | $127,387-41.4% | $115,038-35.1% | $125,389-40.5% |
| Participation rate | 38.5% | 84.2%-45.7pp | 81.4%-42.9pp | 83.2%-44.7pp |
| Annual return | 1.34% | 31.28%-29.9pp | 26.14%-24.8pp | 282.24%-280.9pp |
| Employer contribution / active EE | $530 | $5,166-89.7% | $4,608-88.5% | $4,866-89.1% |
| Participant deferral / active EE | $2,214 | $6,423-65.5% | $6,026-63.3% | $5,352-58.6% |
| Admin fee / account holder | $25,127 | $9,516+164.0% | $8,175+207.4% | $9,541+163.4% |