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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 | $121,785 | $161,352-24.5% | $134,172-9.2% | $137,256-11.3% |
| Participation rate | 50.0% | 78.3%-28.3pp | 72.5%-22.5pp | 80.0%-30.0pp |
| Annual return | 11.75% | 28.72%-17.0pp | 25.30%-13.5pp | 220.34%-208.6pp |
| Employer contribution / active EE | $238 | $4,099-94.2% | $3,420-93.1% | $4,156-94.3% |
| Participant deferral / active EE | $3,960 | $5,552-28.7% | $4,690-15.6% | $6,407-38.2% |
| Admin fee / account holder | $975 | $15,028-93.5% | $12,016-91.9% | $12,270-92.1% |