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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 | $85,377 | $67,602+26.3% | $82,312+3.7% | $70,126+21.7% |
| Participation rate | 63.5% | 72.8%-9.2pp | 76.9%-13.4pp | 69.5%-6.0pp |
| Annual return | 15.29% | 21.57%-6.3pp | 25.88%-10.6pp | 73.15%-57.9pp |
| Employer contribution / active EE | $316 | $1,755-82.0% | $2,428-87.0% | $2,343-86.5% |
| Participant deferral / active EE | $2,219 | $2,987-25.7% | $3,706-40.1% | $3,332-33.4% |
| Admin fee / account holder | $3,665 | $4,512-18.8% | $5,608-34.6% | $4,645-21.1% |