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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 | $121,551 | $100,194+21.3% | $122,979-1.2% | $86,983+39.7% |
| Participation rate | 62.2% | 73.0%-10.8pp | 77.2%-15.0pp | 69.5%-7.4pp |
| Annual return | 12.47% | 16.47%-4.0pp | 20.12%-7.6pp | 25.83%-13.4pp |
| Employer contribution / active EE | $445 | $2,326-80.9% | $3,062-85.5% | $2,584-82.8% |
| Participant deferral / active EE | $2,352 | $4,133-43.1% | $5,003-53.0% | $4,194-43.9% |
| Admin fee / account holder | $1,431 | $10,148-85.9% | $12,864-88.9% | $7,856-81.8% |