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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 | $79,116 | $114,712-31.0% | $173,730-54.5% | $87,485-9.6% |
| Participation rate | 64.7% | 73.0%-8.3pp | 79.6%-14.9pp | 68.9%-4.2pp |
| Annual return | 12.24% | 20.18%-7.9pp | 19.96%-7.7pp | 26.06%-13.8pp |
| Employer contribution / active EE | $549 | $2,904-81.1% | $4,577-88.0% | $2,596-78.8% |
| Participant deferral / active EE | $5,493 | $4,642+18.3% | $6,326-13.2% | $4,274+28.5% |
| Admin fee / account holder | $985 | $10,210-90.4% | $17,523-94.4% | $7,775-87.3% |