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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 | $73,430 | $58,627+25.2% | $76,735-4.3% | $82,448-10.9% |
| Participation rate | 50.0% | 63.2%-13.2pp | 69.5%-19.5pp | 68.1%-18.1pp |
| Annual return | 14.15% | 39.10%-25.0pp | 29.77%-15.6pp | 41.64%-27.5pp |
| Employer contribution / active EE | $75 | $1,729-95.6% | $2,454-96.9% | $2,551-97.1% |
| Participant deferral / active EE | $3,733 | $3,134+19.1% | $4,088-8.7% | $4,139-9.8% |
| Admin fee / account holder | $5,514 | $5,323+3.6% | $7,189-23.3% | $7,234-23.8% |