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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 | $61,719 | $81,476-24.2% | $102,383-39.7% | $80,925-23.7% |
| Participation rate | 68.6% | 66.8%+1.7pp | 74.5%-5.9pp | 67.7%+0.9pp |
| Annual return | 12.65% | 25.59%-12.9pp | 24.94%-12.3pp | 35.65%-23.0pp |
| Employer contribution / active EE | $283 | $3,105-90.9% | $3,870-92.7% | $2,756-89.7% |
| Participant deferral / active EE | $3,700 | $3,871-4.4% | $5,060-26.9% | $4,299-13.9% |
| Admin fee / account holder | $8,617 | $6,717+28.3% | $8,391+2.7% | $6,940+24.2% |