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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 | $99,965 | $81,476+22.7% | $102,383-2.4% | $80,925+23.5% |
| Participation rate | 25.0% | 66.8%-41.8pp | 74.5%-49.5pp | 67.7%-42.7pp |
| Annual return | 19.91% | 25.59%-5.7pp | 24.94%-5.0pp | 35.65%-15.7pp |
| Employer contribution / active EE | $638 | $3,105-79.4% | $3,870-83.5% | $2,756-76.8% |
| Participant deferral / active EE | $3,180 | $3,871-17.8% | $5,060-37.1% | $4,299-26.0% |
| Admin fee / account holder | $678 | $6,717-89.9% | $8,391-91.9% | $6,940-90.2% |