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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 | $65,327 | $71,873-9.1% | $86,698-24.6% | $68,490-4.6% |
| Participation rate | 68.0% | 72.2%-4.2pp | 76.6%-8.6pp | 67.9%+0.1pp |
| Annual return | -16.22% | 3.54%-19.8pp | 35.96%-52.2pp | -7.85%-8.4pp |
| Employer contribution / active EE | $460 | $2,173-78.8% | $2,837-83.8% | $2,597-82.3% |
| Participant deferral / active EE | $5,200 | $3,779+37.6% | $4,656+11.7% | $4,028+29.1% |
| Admin fee / account holder | $819 | $6,110-86.6% | $7,492-89.1% | $5,403-84.8% |