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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 | $86,265 | $86,949-0.8% | $102,460-15.8% | $80,959+6.6% |
| Participation rate | 63.8% | 72.4%-8.6pp | 76.5%-12.7pp | 67.7%-3.8pp |
| Annual return | 11.81% | 18.89%-7.1pp | 29.47%-17.7pp | 35.67%-23.9pp |
| Employer contribution / active EE | $529 | $2,370-77.7% | $3,025-82.5% | $2,757-80.8% |
| Participant deferral / active EE | $6,096 | $4,121+47.9% | $5,056+20.6% | $4,300+41.8% |
| Admin fee / account holder | $14,507 | $8,048+80.3% | $9,460+53.3% | $6,925+109.5% |