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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 | $72,399 | $201,372-64.0% | $184,260-60.7% | $145,884-50.4% |
| Participation rate | 57.9% | 87.5%-29.6pp | 86.8%-28.9pp | 80.3%-22.4pp |
| Annual return | 12.77% | 29.04%-16.3pp | 28.84%-16.1pp | 551.85%-539.1pp |
| Employer contribution / active EE | $777 | $7,024-88.9% | $6,427-87.9% | $4,662-83.3% |
| Participant deferral / active EE | $3,229 | $9,808-67.1% | $9,133-64.6% | $6,690-51.7% |
| Admin fee / account holder | $927 | $16,362-94.3% | $13,898-93.3% | $13,392-93.1% |