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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 | $100,194+22.1% | $122,979-0.5% | $86,983+40.7% |
| Participation rate | 62.5% | 73.0%-10.5pp | 77.2%-14.7pp | 69.5%-7.0pp |
| Annual return | 17.53% | 16.47%+1.1pp | 20.12%-2.6pp | 25.83%-8.3pp |
| Employer contribution / active EE | $609 | $2,326-73.8% | $3,062-80.1% | $2,584-76.4% |
| Participant deferral / active EE | $3,867 | $4,133-6.4% | $5,003-22.7% | $4,194-7.8% |
| Admin fee / account holder | $1,762 | $10,148-82.6% | $12,864-86.3% | $7,856-77.6% |