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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 | $77,763 | $76,551+1.6% | $123,894-37.2% | $62,881+23.7% |
| Participation rate | 61.4% | 73.0%-11.6pp | 81.4%-20.0pp | 69.3%-7.9pp |
| Annual return | 6.83% | 18.68%-11.8pp | 47.52%-40.7pp | 20.14%-13.3pp |
| Employer contribution / active EE | $400 | $2,882-86.1% | $4,617-91.3% | $2,281-82.4% |
| Participant deferral / active EE | $4,977 | $4,840+2.8% | $5,984-16.8% | $3,203+55.4% |
| Admin fee / account holder | $3,064 | $4,826-36.5% | $8,357-63.3% | $4,296-28.7% |