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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 | $76,913 | $67,602+13.8% | $82,312-6.6% | $70,126+9.7% |
| Participation rate | 59.3% | 72.8%-13.5pp | 76.9%-17.6pp | 69.5%-10.3pp |
| Annual return | 16.90% | 21.57%-4.7pp | 25.88%-9.0pp | 73.15%-56.2pp |
| Employer contribution / active EE | $234 | $1,755-86.7% | $2,428-90.4% | $2,343-90.0% |
| Participant deferral / active EE | $2,932 | $2,987-1.8% | $3,706-20.9% | $3,332-12.0% |
| Admin fee / account holder | $11,530 | $4,512+155.6% | $5,608+105.6% | $4,645+148.2% |