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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 | $108,825-2.6% | $156,181-32.2% | $82,448+28.5% |
| Participation rate | 63.0% | 72.4%-9.4pp | 78.8%-15.8pp | 68.1%-5.1pp |
| Annual return | 15.08% | 20.59%-5.5pp | 64.87%-49.8pp | 41.64%-26.6pp |
| Employer contribution / active EE | $652 | $2,870-77.3% | $4,294-84.8% | $2,551-74.4% |
| Participant deferral / active EE | $4,498 | $4,577-1.7% | $6,132-26.6% | $4,139+8.7% |
| Admin fee / account holder | $4,856 | $9,341-48.0% | $14,586-66.7% | $7,234-32.9% |