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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 | $89,925 | $100,194-10.2% | $122,979-26.9% | $86,983+3.4% |
| Participation rate | 66.7% | 73.0%-6.3pp | 77.2%-10.5pp | 69.5%-2.9pp |
| Annual return | 17.99% | 16.47%+1.5pp | 20.12%-2.1pp | 25.83%-7.8pp |
| Employer contribution / active EE | $490 | $2,326-78.9% | $3,062-84.0% | $2,584-81.0% |
| Participant deferral / active EE | $1,961 | $4,133-52.6% | $5,003-60.8% | $4,194-53.2% |
| Admin fee / account holder | $1,178 | $10,148-88.4% | $12,864-90.8% | $7,856-85.0% |