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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 | $84,854 | $79,955+6.1% | $98,461-13.8% | $75,173+12.9% |
| Participation rate | 63.4% | 70.4%-7.0pp | 75.2%-11.8pp | 67.2%-3.8pp |
| Annual return | 18.60% | 19.75%-1.2pp | 21.17%-2.6pp | 160.72%-142.1pp |
| Employer contribution / active EE | $144 | $2,264-93.6% | $3,049-95.3% | $2,671-94.6% |
| Participant deferral / active EE | $2,435 | $3,752-35.1% | $4,738-48.6% | $4,126-41.0% |
| Admin fee / account holder | $4,372 | $6,841-36.1% | $8,961-51.2% | $5,651-22.6% |