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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 | $54,649 | $62,583-12.7% | $76,767-28.8% | $64,173-14.8% |
| Participation rate | 67.9% | 72.8%-5.0pp | 77.0%-9.1pp | 69.6%-1.7pp |
| Annual return | 10.48% | -1.95%+12.4pp | 2.43%+8.0pp | 7.63%+2.8pp |
| Employer contribution / active EE | $411 | $1,832-77.6% | $2,485-83.5% | $2,381-82.8% |
| Participant deferral / active EE | $2,053 | $3,145-34.7% | $3,852-46.7% | $3,470-40.8% |
| Admin fee / account holder | $6,546 | $4,667+40.3% | $6,675-1.9% | $4,887+33.9% |