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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 | $99,558 | $57,119+74.3% | $85,187+16.9% | $80,935+23.0% |
| Participation rate | 65.1% | 56.4%+8.7pp | 67.5%-2.4pp | 67.7%-2.5pp |
| Annual return | 13.86% | 21.70%-7.8pp | 66.67%-52.8pp | 35.66%-21.8pp |
| Employer contribution / active EE | $0 | $1,802-100.0% | $2,732-100.0% | $2,757-100.0% |
| Participant deferral / active EE | $1,650 | $3,115-47.0% | $4,525-63.5% | $4,299-61.6% |
| Admin fee / account holder | $5,164 | $4,990+3.5% | $6,162-16.2% | $6,924-25.4% |