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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 | $70,861 | $83,485-15.1% | $125,180-43.4% | $72,983-2.9% |
| Participation rate | 68.6% | 73.3%-4.7pp | 79.8%-11.2pp | 69.5%-0.9pp |
| Annual return | 21.81% | 25.78%-4.0pp | 43.79%-22.0pp | 81.01%-59.2pp |
| Employer contribution / active EE | $504 | $2,346-78.5% | $3,866-87.0% | $2,440-79.3% |
| Participant deferral / active EE | $4,584 | $3,586+27.8% | $4,937-7.1% | $3,608+27.1% |
| Admin fee / account holder | $12,536 | $5,518+127.2% | $9,703+29.2% | $5,124+144.6% |