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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 | $125,498 | $126,661-0.9% | $113,397+10.7% | $138,895-9.6% |
| Participation rate | 33.3% | 79.4%-46.1pp | 76.5%-43.2pp | 79.9%-46.6pp |
| Annual return | 20.54% | 25.05%-4.5pp | 23.20%-2.7pp | 145.39%-124.9pp |
| Employer contribution / active EE | $741 | $3,456-78.6% | $2,977-75.1% | $4,194-82.3% |
| Participant deferral / active EE | $5,167 | $5,693-9.2% | $5,076+1.8% | $6,396-19.2% |
| Admin fee / account holder | $859 | $14,549-94.1% | $11,957-92.8% | $12,562-93.2% |