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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 | $88,964 | $78,428+13.4% | $95,960-7.3% | $79,852+11.4% |
| Participation rate | 69.4% | 73.5%-4.0pp | 77.1%-7.6pp | 69.6%-0.2pp |
| Annual return | 15.65% | 19.37%-3.7pp | 91.63%-76.0pp | 31.72%-16.1pp |
| Employer contribution / active EE | $424 | $1,945-78.2% | $2,541-83.3% | $2,471-82.9% |
| Participant deferral / active EE | $4,270 | $3,440+24.1% | $4,167+2.5% | $3,740+14.2% |
| Admin fee / account holder | $5,922 | $5,622+5.3% | $6,797-12.9% | $5,306+11.6% |