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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 | $94,452 | $93,345+1.2% | $119,126-20.7% | $87,485+8.0% |
| Participation rate | 67.6% | 68.7%-1.2pp | 75.8%-8.2pp | 68.9%-1.4pp |
| Annual return | 17.47% | 19.08%-1.6pp | 282.11%-264.6pp | 26.06%-8.6pp |
| Employer contribution / active EE | $122 | $3,172-96.2% | $4,034-97.0% | $2,596-95.3% |
| Participant deferral / active EE | $3,904 | $4,099-4.7% | $5,318-26.6% | $4,274-8.6% |
| Admin fee / account holder | $10,861 | $8,039+35.1% | $10,693+1.6% | $7,775+39.7% |