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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 | $153,072 | $213,785-28.4% | $185,441-17.5% | $155,188-1.4% |
| Participation rate | 50.0% | 83.2%-33.2pp | 80.3%-30.3pp | 80.8%-30.8pp |
| Annual return | 7.14% | 19.97%-12.8pp | 20.16%-13.0pp | 148.84%-141.7pp |
| Employer contribution / active EE | $900 | $5,393-83.3% | $4,672-80.7% | $4,248-78.8% |
| Participant deferral / active EE | $3,000 | $6,864-56.3% | $6,152-51.2% | $6,531-54.1% |
| Admin fee / account holder | $13,257 | $21,134-37.3% | $17,890-25.9% | $14,480-8.4% |