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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 | $62,500 | $60,349+3.6% | $74,184-15.7% | $62,881-0.6% |
| Participation rate | 56.9% | 72.7%-15.9pp | 76.6%-19.8pp | 69.3%-12.4pp |
| Annual return | 5.76% | 21.38%-15.6pp | 17.74%-12.0pp | 20.14%-14.4pp |
| Employer contribution / active EE | $287 | $1,680-82.9% | $2,370-87.9% | $2,281-87.4% |
| Participant deferral / active EE | $3,396 | $2,856+18.9% | $3,550-4.3% | $3,203+6.0% |
| Admin fee / account holder | $3,947 | $4,261-7.4% | $5,586-29.3% | $4,296-8.1% |