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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 | $79,941 | $81,476-1.9% | $102,383-21.9% | $80,925-1.2% |
| Participation rate | 26.2% | 66.8%-40.7pp | 74.5%-48.3pp | 67.7%-41.5pp |
| Annual return | 13.97% | 25.59%-11.6pp | 24.94%-11.0pp | 35.65%-21.7pp |
| Employer contribution / active EE | $795 | $3,105-74.4% | $3,870-79.5% | $2,756-71.2% |
| Participant deferral / active EE | $3,179 | $3,871-17.9% | $5,060-37.2% | $4,299-26.0% |
| Admin fee / account holder | $2,948 | $6,717-56.1% | $8,391-64.9% | $6,940-57.5% |