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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 | $71,067 | $57,590+23.4% | $86,233-17.6% | $82,448-13.8% |
| Participation rate | 63.5% | 57.9%+5.6pp | 69.0%-5.6pp | 68.1%-4.6pp |
| Annual return | 16.52% | 22.41%-5.9pp | 61.39%-44.9pp | 41.64%-25.1pp |
| Employer contribution / active EE | $100 | $1,655-93.9% | $2,504-96.0% | $2,551-96.1% |
| Participant deferral / active EE | $2,031 | $3,080-34.1% | $4,559-55.5% | $4,139-50.9% |
| Admin fee / account holder | $1,840 | $4,730-61.1% | $8,342-77.9% | $7,234-74.6% |