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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 | $130,910 | $177,156-26.1% | $147,027-11.0% | $154,746-15.4% |
| Participation rate | 50.0% | 79.4%-29.4pp | 73.7%-23.7pp | 80.7%-30.7pp |
| Annual return | 16.21% | 21.94%-5.7pp | 20.23%-4.0pp | 172.34%-156.1pp |
| Employer contribution / active EE | $744 | $4,336-82.8% | $3,626-79.5% | $4,379-83.0% |
| Participant deferral / active EE | $8,587 | $5,797+48.1% | $4,933+74.1% | $6,730+27.6% |
| Admin fee / account holder | $2,254 | $14,904-84.9% | $12,223-81.6% | $14,365-84.3% |