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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 | $69,108 | $46,599+48.3% | $64,101+7.8% | $75,173-8.1% |
| Participation rate | 58.2% | 65.9%-7.7pp | 72.3%-14.1pp | 67.2%-9.0pp |
| Annual return | 19.30% | 26.06%-6.8pp | 33.72%-14.4pp | 160.72%-141.4pp |
| Employer contribution / active EE | $253 | $1,975-87.2% | $2,749-90.8% | $2,671-90.5% |
| Participant deferral / active EE | $2,645 | $2,837-6.8% | $3,881-31.8% | $4,126-35.9% |
| Admin fee / account holder | $638 | $2,956-78.4% | $3,070-79.2% | $5,651-88.7% |