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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 | $98,243 | $101,795-3.5% | $165,100-40.5% | $80,959+21.3% |
| Participation rate | 67.6% | 71.8%-4.2pp | 78.6%-11.0pp | 67.7%0pp |
| Annual return | 11.47% | 16.73%-5.3pp | 70.21%-58.7pp | 35.67%-24.2pp |
| Employer contribution / active EE | $294 | $2,954-90.0% | $4,348-93.2% | $2,757-89.3% |
| Participant deferral / active EE | $6,323 | $4,476+41.3% | $6,035+4.8% | $4,300+47.0% |
| Admin fee / account holder | $6,342 | $8,221-22.9% | $12,696-50.0% | $6,925-8.4% |