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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 | $92,296 | $86,949+6.1% | $102,460-9.9% | $80,959+14.0% |
| Participation rate | 59.3% | 72.4%-13.1pp | 76.5%-17.3pp | 67.7%-8.4pp |
| Annual return | 12.79% | 18.89%-6.1pp | 29.47%-16.7pp | 35.67%-22.9pp |
| Employer contribution / active EE | $361 | $2,370-84.8% | $3,025-88.1% | $2,757-86.9% |
| Participant deferral / active EE | $5,258 | $4,121+27.6% | $5,056+4.0% | $4,300+22.3% |
| Admin fee / account holder | $2,234 | $8,048-72.2% | $9,460-76.4% | $6,925-67.7% |