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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 | $106,793 | $92,811+15.1% | $238,191-55.2% | $86,983+22.8% |
| Participation rate | 68.0% | 69.3%-1.3pp | 77.1%-9.1pp | 69.5%-1.5pp |
| Annual return | 15.45% | 16.16%-0.7pp | 13.02%+2.4pp | 25.83%-10.4pp |
| Employer contribution / active EE | $754 | $2,728-72.4% | $5,082-85.2% | $2,584-70.8% |
| Participant deferral / active EE | $3,044 | $4,479-32.0% | $6,726-54.7% | $4,194-27.4% |
| Admin fee / account holder | $2,309 | $9,177-74.8% | $34,582-93.3% | $7,856-70.6% |