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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 | $78,787 | $94,031-16.2% | $115,768-31.9% | $82,448-4.4% |
| Participation rate | 63.3% | 70.4%-7.1pp | 74.4%-11.1pp | 68.1%-4.8pp |
| Annual return | 20.14% | 20.61%-0.5pp | 100.46%-80.3pp | 41.64%-21.5pp |
| Employer contribution / active EE | $560 | $2,323-75.9% | $2,940-81.0% | $2,551-78.1% |
| Participant deferral / active EE | $3,824 | $3,972-3.7% | $4,917-22.2% | $4,139-7.6% |
| Admin fee / account holder | $7,905 | $10,249-22.9% | $12,439-36.4% | $7,234+9.3% |