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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 | $96,961 | $80,992+19.7% | $96,534+0.4% | $75,173+29.0% |
| Participation rate | 67.6% | 71.8%-4.2pp | 76.0%-8.4pp | 67.2%+0.4pp |
| Annual return | 15.88% | 27.05%-11.2pp | 25.88%-10.0pp | 160.72%-144.8pp |
| Employer contribution / active EE | $523 | $2,283-77.1% | $2,965-82.4% | $2,671-80.4% |
| Participant deferral / active EE | $4,374 | $3,929+11.3% | $4,851-9.8% | $4,126+6.0% |
| Admin fee / account holder | $1,355 | $6,717-79.8% | $8,253-83.6% | $5,651-76.0% |