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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 | $120,302 | $93,617+28.5% | $135,982-11.5% | $75,177+60.0% |
| Participation rate | 68.3% | 75.2%-6.9pp | 81.9%-13.6pp | 67.2%+1.1pp |
| Annual return | 20.76% | 30.89%-10.1pp | 68.32%-47.6pp | 160.75%-140.0pp |
| Employer contribution / active EE | $482 | $3,538-86.4% | $4,859-90.1% | $2,671-81.9% |
| Participant deferral / active EE | $5,767 | $6,406-10.0% | $7,760-25.7% | $4,126+39.8% |
| Admin fee / account holder | $10,714 | $6,980+53.5% | $10,767-0.5% | $5,651+89.6% |