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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 | $105,943 | $114,712-7.6% | $173,730-39.0% | $87,485+21.1% |
| Participation rate | 63.0% | 73.0%-10.0pp | 79.6%-16.6pp | 68.9%-5.9pp |
| Annual return | 15.08% | 20.18%-5.1pp | 19.96%-4.9pp | 26.06%-11.0pp |
| Employer contribution / active EE | $652 | $2,904-77.6% | $4,577-85.8% | $2,596-74.9% |
| Participant deferral / active EE | $4,498 | $4,642-3.1% | $6,326-28.9% | $4,274+5.3% |
| Admin fee / account holder | $4,856 | $10,210-52.4% | $17,523-72.3% | $7,775-37.5% |