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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 | $99,633+7.2% | $183,328-41.7% | $82,448+29.5% |
| Participation rate | 68.0% | 70.8%-2.8pp | 77.3%-9.3pp | 68.1%-0.1pp |
| Annual return | 15.45% | 17.84%-2.4pp | 29.67%-14.2pp | 41.64%-26.2pp |
| Employer contribution / active EE | $754 | $3,256-76.8% | $5,055-85.1% | $2,551-70.4% |
| Participant deferral / active EE | $3,044 | $4,938-38.4% | $6,795-55.2% | $4,139-26.5% |
| Admin fee / account holder | $2,309 | $9,934-76.8% | $21,427-89.2% | $7,234-68.1% |