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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 | $134,397 | $88,042+52.7% | $138,135-2.7% | $79,852+68.3% |
| Participation rate | 64.7% | 71.4%-6.7pp | 78.7%-14.0pp | 69.6%-4.9pp |
| Annual return | 12.50% | 20.58%-8.1pp | 20.51%-8.0pp | 31.72%-19.2pp |
| Employer contribution / active EE | $730 | $3,103-76.5% | $5,587-86.9% | $2,471-70.5% |
| Participant deferral / active EE | $2,300 | $4,704-51.1% | $6,431-64.2% | $3,740-38.5% |
| Admin fee / account holder | $8,047 | $7,791+3.3% | $11,856-32.1% | $5,306+51.7% |