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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 | $89,578 | $86,949+3.0% | $102,460-12.6% | $80,959+10.6% |
| Participation rate | 62.7% | 72.4%-9.7pp | 76.5%-13.8pp | 67.7%-5.0pp |
| Annual return | 15.48% | 18.89%-3.4pp | 29.47%-14.0pp | 35.67%-20.2pp |
| Employer contribution / active EE | $319 | $2,370-86.5% | $3,025-89.5% | $2,757-88.4% |
| Participant deferral / active EE | $2,450 | $4,121-40.6% | $5,056-51.6% | $4,300-43.0% |
| Admin fee / account holder | $2,590 | $8,048-67.8% | $9,460-72.6% | $6,925-62.6% |