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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 | $95,144 | $73,009+30.3% | $90,760+4.8% | $68,486+38.9% |
| Participation rate | 64.4% | 70.8%-6.4pp | 75.7%-11.2pp | 67.9%-3.4pp |
| Annual return | -15.33% | -13.81%-1.5pp | -12.16%-3.2pp | -7.85%-7.5pp |
| Employer contribution / active EE | $483 | $2,193-78.0% | $2,922-83.5% | $2,597-81.4% |
| Participant deferral / active EE | $4,505 | $3,626+24.2% | $4,565-1.3% | $4,028+11.8% |
| Admin fee / account holder | $2,731 | $5,896-53.7% | $8,444-67.7% | $5,404-49.5% |