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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 | $78,259 | $97,550-19.8% | $120,344-35.0% | $87,485-10.5% |
| Participation rate | 66.3% | 72.8%-6.6pp | 76.7%-10.4pp | 68.9%-2.7pp |
| Annual return | 14.19% | 18.41%-4.2pp | 20.30%-6.1pp | 26.06%-11.9pp |
| Employer contribution / active EE | $319 | $2,291-86.1% | $3,020-89.5% | $2,596-87.7% |
| Participant deferral / active EE | $2,422 | $4,230-42.7% | $5,135-52.8% | $4,274-43.3% |
| Admin fee / account holder | $4,305 | $9,543-54.9% | $12,742-66.2% | $7,775-44.6% |