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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 | $97,884 | $108,825-10.1% | $156,181-37.3% | $82,448+18.7% |
| Participation rate | 69.8% | 72.4%-2.6pp | 78.8%-9.1pp | 68.1%+1.7pp |
| Annual return | 12.80% | 20.59%-7.8pp | 64.87%-52.1pp | 41.64%-28.8pp |
| Employer contribution / active EE | $669 | $2,870-76.7% | $4,294-84.4% | $2,551-73.8% |
| Participant deferral / active EE | $4,476 | $4,577-2.2% | $6,132-27.0% | $4,139+8.1% |
| Admin fee / account holder | $2,438 | $9,341-73.9% | $14,586-83.3% | $7,234-66.3% |