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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 | $88,908 | $69,977+27.1% | $108,582-18.1% | $62,881+41.4% |
| Participation rate | 67.7% | 72.9%-5.2pp | 79.6%-11.8pp | 69.3%-1.6pp |
| Annual return | 7.07% | 10.73%-3.7pp | -51.70%+58.8pp | 20.14%-13.1pp |
| Employer contribution / active EE | $306 | $2,135-85.7% | $3,758-91.9% | $2,281-86.6% |
| Participant deferral / active EE | $1,631 | $3,165-48.5% | $4,311-62.2% | $3,203-49.1% |
| Admin fee / account holder | $7,973 | $5,076+57.1% | $7,645+4.3% | $4,296+85.6% |