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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 | $92,355 | $74,535+23.9% | $100,712-8.3% | $82,637+11.8% |
| Participation rate | 58.0% | 61.2%-3.2pp | 69.3%-11.3pp | 68.1%-10.1pp |
| Annual return | 14.80% | 18.92%-4.1pp | 33.27%-18.5pp | 53.51%-38.7pp |
| Employer contribution / active EE | $0 | $1,503-100.0% | $2,313-100.0% | $2,552-100.0% |
| Participant deferral / active EE | $3,758 | $3,074+22.3% | $4,085-8.0% | $4,126-8.9% |
| Admin fee / account holder | $10,604 | $6,576+61.3% | $9,256+14.6% | $7,339+44.5% |