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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 | $106,549 | $95,404+11.7% | $113,397-6.0% | $82,637+28.9% |
| Participation rate | 64.0% | 72.8%-8.8pp | 76.5%-12.5pp | 68.1%-4.1pp |
| Annual return | 13.50% | 19.08%-5.6pp | 23.20%-9.7pp | 53.51%-40.0pp |
| Employer contribution / active EE | $215 | $2,307-90.7% | $2,977-92.8% | $2,552-91.6% |
| Participant deferral / active EE | $4,719 | $4,220+11.8% | $5,076-7.0% | $4,126+14.4% |
| Admin fee / account holder | $11,603 | $9,168+26.6% | $11,957-3.0% | $7,339+58.1% |