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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 | $62,955 | $85,515-26.4% | $112,040-43.8% | $67,986-7.4% |
| Participation rate | 68.4% | 68.2%+0.2pp | 76.5%-8.1pp | 57.2%+11.2pp |
| Annual return | 14.40% | 29.68%-15.3pp | 24.52%-10.1pp | 31.67%-17.3pp |
| Employer contribution / active EE | $269 | $2,191-87.7% | $2,954-90.9% | $2,019-86.7% |
| Participant deferral / active EE | $2,691 | $4,014-33.0% | $5,098-47.2% | $3,358-19.9% |
| Admin fee / account holder | $2,503 | $3,774-33.7% | $12,098-79.3% | $3,203-21.9% |