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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 | $90,670 | $86,919+4.3% | $102,457-11.5% | $80,911+12.1% |
| Participation rate | 59.6% | 72.4%-12.8pp | 76.5%-16.9pp | 67.6%-8.1pp |
| Annual return | 11.02% | 18.90%-7.9pp | 29.41%-18.4pp | 35.63%-24.6pp |
| Employer contribution / active EE | $394 | $2,368-83.4% | $3,022-87.0% | $2,756-85.7% |
| Participant deferral / active EE | $3,088 | $4,119-25.0% | $5,054-38.9% | $4,297-28.1% |
| Admin fee / account holder | $1,341 | $8,049-83.3% | $9,451-85.8% | $6,935-80.7% |