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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 | $78,545 | $71,197+10.3% | $93,669-16.1% | $80,925-2.9% |
| Participation rate | 53.8% | 60.4%-6.5pp | 68.7%-14.9pp | 67.7%-13.8pp |
| Annual return | 14.19% | 11.27%+2.9pp | 133.59%-119.4pp | 35.65%-21.5pp |
| Employer contribution / active EE | $200 | $1,565-87.2% | $2,424-91.7% | $2,756-92.7% |
| Participant deferral / active EE | $3,500 | $4,036-13.3% | $4,416-20.7% | $4,299-18.6% |
| Admin fee / account holder | $1,020 | $6,959-85.3% | $8,291-87.7% | $6,940-85.3% |