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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 | $60,043 | $86,940-30.9% | $102,434-41.4% | $80,935-25.8% |
| Participation rate | 68.6% | 72.4%-3.8pp | 76.5%-7.9pp | 67.7%+0.9pp |
| Annual return | 12.71% | 18.89%-6.2pp | 29.46%-16.7pp | 35.66%-22.9pp |
| Employer contribution / active EE | $496 | $2,370-79.0% | $3,023-83.6% | $2,757-82.0% |
| Participant deferral / active EE | $2,177 | $4,121-47.2% | $5,055-56.9% | $4,299-49.4% |
| Admin fee / account holder | $6,001 | $8,047-25.4% | $9,462-36.6% | $6,924-13.3% |