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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 | $107,780 | $101,752+5.9% | $164,928-34.7% | $80,911+33.2% |
| Participation rate | 58.6% | 71.8%-13.2pp | 78.6%-20.0pp | 67.6%-9.0pp |
| Annual return | 13.10% | 16.73%-3.6pp | 70.08%-57.0pp | 35.63%-22.5pp |
| Employer contribution / active EE | $599 | $2,953-79.7% | $4,343-86.2% | $2,756-78.3% |
| Participant deferral / active EE | $5,993 | $4,477+33.9% | $6,034-0.7% | $4,297+39.5% |
| Admin fee / account holder | $16,195 | $8,218+97.1% | $12,684+27.7% | $6,935+133.5% |