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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 | $114,348 | $83,485+37.0% | $125,195-8.7% | $72,976+56.7% |
| Participation rate | 63.9% | 73.3%-9.4pp | 79.8%-15.9pp | 69.5%-5.6pp |
| Annual return | 23.02% | 25.77%-2.8pp | 43.79%-20.8pp | 81.02%-58.0pp |
| Employer contribution / active EE | $422 | $2,346-82.0% | $3,866-89.1% | $2,440-82.7% |
| Participant deferral / active EE | $3,425 | $3,586-4.5% | $4,937-30.6% | $3,608-5.1% |
| Admin fee / account holder | $2,655 | $5,518-51.9% | $9,704-72.6% | $5,124-48.2% |