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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 | $80,132 | $136,307-41.2% | $106,619-24.8% | $273,972-70.8% |
| Participation rate | 45.5% | 84.8%-39.3pp | 78.0%-32.5pp | 83.0%-37.6pp |
| Annual return | 7.99% | 11.05%-3.1pp | 9.42%-1.4pp | 41.46%-33.5pp |
| Employer contribution / active EE | $572 | $5,190-89.0% | $3,947-85.5% | $4,869-88.2% |
| Participant deferral / active EE | $1,823 | $4,969-63.3% | $3,930-53.6% | $5,287-65.5% |
| Admin fee / account holder | $7,756 | $8,625-10.1% | $6,418+20.8% | $10,133-23.5% |