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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 | $67,624 | $62,583+8.1% | $76,767-11.9% | $64,173+5.4% |
| Participation rate | 63.4% | 72.8%-9.4pp | 77.0%-13.5pp | 69.6%-6.2pp |
| Annual return | -1.37% | -1.95%+0.6pp | 2.43%-3.8pp | 7.63%-9.0pp |
| Employer contribution / active EE | $304 | $1,832-83.4% | $2,485-87.8% | $2,381-87.2% |
| Participant deferral / active EE | $3,787 | $3,145+20.4% | $3,852-1.7% | $3,470+9.2% |
| Admin fee / account holder | $436 | $4,667-90.7% | $6,675-93.5% | $4,887-91.1% |