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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 | $129,750 | $81,504+59.2% | $102,437+26.7% | $80,959+60.3% |
| Participation rate | 58.5% | 66.9%-8.4pp | 74.5%-16.0pp | 67.7%-9.2pp |
| Annual return | 12.15% | 25.60%-13.4pp | 24.95%-12.8pp | 35.67%-23.5pp |
| Employer contribution / active EE | $709 | $3,104-77.2% | $3,871-81.7% | $2,757-74.3% |
| Participant deferral / active EE | $4,161 | $3,871+7.5% | $5,060-17.8% | $4,300-3.3% |
| Admin fee / account holder | $5,795 | $6,719-13.8% | $8,388-30.9% | $6,925-16.3% |