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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 | $43,671 | $199,109-78.1% | $173,730-74.9% | $154,746-71.8% |
| Participation rate | 55.6% | 82.8%-27.3pp | 79.6%-24.0pp | 80.7%-25.1pp |
| Annual return | 9.60% | 20.02%-10.4pp | 19.96%-10.4pp | 172.34%-162.7pp |
| Employer contribution / active EE | $356 | $5,311-93.3% | $4,577-92.2% | $4,379-91.9% |
| Participant deferral / active EE | $2,494 | $7,113-64.9% | $6,326-60.6% | $6,730-62.9% |
| Admin fee / account holder | $2,443 | $20,916-88.3% | $17,523-86.1% | $14,365-83.0% |