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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 | $81,232 | $80,985+0.3% | $96,576-15.9% | $75,181+8.0% |
| Participation rate | 65.9% | 71.8%-5.9pp | 76.0%-10.1pp | 67.2%-1.3pp |
| Annual return | 13.68% | 27.05%-13.4pp | 25.87%-12.2pp | 160.69%-147.0pp |
| Employer contribution / active EE | $397 | $2,282-82.6% | $2,965-86.6% | $2,671-85.1% |
| Participant deferral / active EE | $2,941 | $3,929-25.2% | $4,851-39.4% | $4,126-28.7% |
| Admin fee / account holder | $4,773 | $6,719-29.0% | $8,253-42.2% | $5,650-15.5% |