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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 | $76,954 | $73,978+4.0% | $96,515-20.3% | $75,173+2.4% |
| Participation rate | 37.1% | 66.4%-29.3pp | 74.3%-37.2pp | 67.2%-30.1pp |
| Annual return | 39.50% | 26.72%+12.8pp | 35.73%+3.8pp | 160.72%-121.2pp |
| Employer contribution / active EE | $460 | $2,931-84.3% | $3,740-87.7% | $2,671-82.8% |
| Participant deferral / active EE | $2,398 | $3,660-34.5% | $4,880-50.9% | $4,126-41.9% |
| Admin fee / account holder | $11,281 | $5,219+116.2% | $6,735+67.5% | $5,651+99.6% |