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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 | $122,385 | $97,550+25.5% | $120,344+1.7% | $87,485+39.9% |
| Participation rate | 62.5% | 72.8%-10.3pp | 76.7%-14.2pp | 68.9%-6.4pp |
| Annual return | 17.53% | 18.41%-0.9pp | 20.30%-2.8pp | 26.06%-8.5pp |
| Employer contribution / active EE | $609 | $2,291-73.4% | $3,020-79.8% | $2,596-76.5% |
| Participant deferral / active EE | $3,867 | $4,230-8.6% | $5,135-24.7% | $4,274-9.5% |
| Admin fee / account holder | $1,762 | $9,543-81.5% | $12,742-86.2% | $7,775-77.3% |