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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 | $83,698 | $65,364+28.0% | $92,909-9.9% | $72,975+14.7% |
| Participation rate | 68.2% | 68.3%-0.1pp | 76.0%-7.8pp | 69.5%-1.3pp |
| Annual return | 20.26% | 42.11%-21.8pp | 109.44%-89.2pp | 81.01%-60.7pp |
| Employer contribution / active EE | $368 | $2,594-85.8% | $3,653-89.9% | $2,440-84.9% |
| Participant deferral / active EE | $3,362 | $3,128+7.5% | $4,238-20.7% | $3,608-6.8% |
| Admin fee / account holder | $829 | $4,251-80.5% | $5,795-85.7% | $5,124-83.8% |