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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 | $76,647 | $68,880+11.3% | $120,580-36.4% | $80,959-5.3% |
| Participation rate | 69.4% | 61.7%+7.7pp | 72.0%-2.5pp | 67.7%+1.8pp |
| Annual return | 10.82% | 23.68%-12.9pp | 107.48%-96.7pp | 35.67%-24.8pp |
| Employer contribution / active EE | $160 | $2,066-92.3% | $3,469-95.4% | $2,757-94.2% |
| Participant deferral / active EE | $3,004 | $3,191-5.8% | $4,995-39.9% | $4,300-30.1% |
| Admin fee / account holder | $7,613 | $5,785+31.6% | $9,418-19.2% | $6,925+9.9% |