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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 | $116,648 | $72,486+60.9% | $87,103+33.9% | $72,976+59.8% |
| Participation rate | 66.7% | 72.8%-6.1pp | 76.9%-10.2pp | 69.5%-2.8pp |
| Annual return | 25.52% | 24.46%+1.1pp | 28.19%-2.7pp | 81.02%-55.5pp |
| Employer contribution / active EE | $417 | $1,894-78.0% | $2,521-83.5% | $2,440-82.9% |
| Participant deferral / active EE | $2,984 | $3,270-8.7% | $4,049-26.3% | $3,608-17.3% |
| Admin fee / account holder | $2,286 | $5,055-54.8% | $7,491-69.5% | $5,124-55.4% |