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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 | $117,290 | $86,919+34.9% | $102,457+14.5% | $80,911+45.0% |
| Participation rate | 56.7% | 72.4%-15.7pp | 76.5%-19.8pp | 67.6%-11.0pp |
| Annual return | 11.99% | 18.90%-6.9pp | 29.41%-17.4pp | 35.63%-23.6pp |
| Employer contribution / active EE | $393 | $2,368-83.4% | $3,022-87.0% | $2,756-85.8% |
| Participant deferral / active EE | $4,376 | $4,119+6.2% | $5,054-13.4% | $4,297+1.8% |
| Admin fee / account holder | $5,336 | $8,049-33.7% | $9,451-43.5% | $6,935-23.0% |