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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 | $76,867 | $108,825-29.4% | $156,181-50.8% | $82,448-6.8% |
| Participation rate | 68.6% | 72.4%-3.8pp | 78.8%-10.3pp | 68.1%+0.5pp |
| Annual return | 17.33% | 20.59%-3.3pp | 64.87%-47.5pp | 41.64%-24.3pp |
| Employer contribution / active EE | $551 | $2,870-80.8% | $4,294-87.2% | $2,551-78.4% |
| Participant deferral / active EE | $4,712 | $4,577+2.9% | $6,132-23.2% | $4,139+13.8% |
| Admin fee / account holder | $381 | $9,341-95.9% | $14,586-97.4% | $7,234-94.7% |