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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 | $128,251 | $106,524+20.4% | $152,301-15.8% | $87,485+46.6% |
| Participation rate | 66.7% | 75.8%-9.1pp | 82.4%-15.8pp | 68.9%-2.3pp |
| Annual return | 15.58% | 26.89%-11.3pp | 80.50%-64.9pp | 26.06%-10.5pp |
| Employer contribution / active EE | $494 | $3,371-85.3% | $4,624-89.3% | $2,596-81.0% |
| Participant deferral / active EE | $4,979 | $6,525-23.7% | $8,004-37.8% | $4,274+16.5% |
| Admin fee / account holder | $1,762 | $8,287-78.7% | $14,398-87.8% | $7,775-77.3% |