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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 | $64,830 | $55,713+16.4% | $75,901-14.6% | $72,975-11.2% |
| Participation rate | 58.3% | 61.1%-2.8pp | 69.3%-10.9pp | 69.5%-11.2pp |
| Annual return | 22.62% | 27.60%-5.0pp | 30.76%-8.1pp | 81.01%-58.4pp |
| Employer contribution / active EE | $193 | $1,687-88.6% | $2,501-92.3% | $2,440-92.1% |
| Participant deferral / active EE | $948 | $2,634-64.0% | $3,603-73.7% | $3,608-73.7% |
| Admin fee / account holder | $6,288 | $3,980+58.0% | $5,420+16.0% | $5,124+22.7% |