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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 | $68,215 | $60,349+13.0% | $74,184-8.0% | $62,881+8.5% |
| Participation rate | 69.2% | 72.7%-3.5pp | 76.6%-7.4pp | 69.3%-0.1pp |
| Annual return | 6.46% | 21.38%-14.9pp | 17.74%-11.3pp | 20.14%-13.7pp |
| Employer contribution / active EE | $272 | $1,680-83.8% | $2,370-88.5% | $2,281-88.1% |
| Participant deferral / active EE | $2,722 | $2,856-4.7% | $3,550-23.3% | $3,203-15.0% |
| Admin fee / account holder | $10,675 | $4,261+150.5% | $5,586+91.1% | $4,296+148.5% |