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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 | $53,058 | $56,894-6.7% | $84,753-37.4% | $62,881-15.6% |
| Participation rate | 61.5% | 68.5%-7.0pp | 76.6%-15.1pp | 69.3%-7.8pp |
| Annual return | 5.69% | 6.30%-0.6pp | 22.78%-17.1pp | 20.14%-14.5pp |
| Employer contribution / active EE | $350 | $2,400-85.4% | $3,574-90.2% | $2,281-84.7% |
| Participant deferral / active EE | $2,846 | $2,709+5.1% | $3,712-23.3% | $3,203-11.1% |
| Admin fee / account holder | $4,464 | $3,581+24.7% | $5,333-16.3% | $4,296+3.9% |