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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 | $71,577 | $52,678+35.9% | $75,784-5.6% | $59,633+20.0% |
| Participation rate | 58.6% | 67.2%-8.6pp | 75.8%-17.2pp | 68.7%-10.0pp |
| Annual return | 1.72% | 2.95%-1.2pp | 9.68%-8.0pp | 2041.45%-2039.7pp |
| Employer contribution / active EE | $268 | $2,193-87.8% | $3,323-91.9% | $2,203-87.8% |
| Participant deferral / active EE | $3,139 | $2,591+21.2% | $3,652-14.1% | $3,192-1.7% |
| Admin fee / account holder | $2,280 | $3,610-36.8% | $5,300-57.0% | $4,297-46.9% |