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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 | $144,147 | $114,712+25.7% | $173,730-17.0% | $87,485+64.8% |
| Participation rate | 63.6% | 73.0%-9.4pp | 79.6%-15.9pp | 68.9%-5.3pp |
| Annual return | 20.68% | 20.18%+0.5pp | 19.96%+0.7pp | 26.06%-5.4pp |
| Employer contribution / active EE | $616 | $2,904-78.8% | $4,577-86.6% | $2,596-76.3% |
| Participant deferral / active EE | $2,584 | $4,642-44.3% | $6,326-59.2% | $4,274-39.5% |
| Admin fee / account holder | $864 | $10,210-91.5% | $17,523-95.1% | $7,775-88.9% |