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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 | $88,473 | $81,504+8.6% | $102,437-13.6% | $80,959+9.3% |
| Participation rate | 58.5% | 66.9%-8.3pp | 74.5%-16.0pp | 67.7%-9.1pp |
| Annual return | 15.00% | 25.60%-10.6pp | 24.95%-9.9pp | 35.67%-20.7pp |
| Employer contribution / active EE | $410 | $3,104-86.8% | $3,871-89.4% | $2,757-85.1% |
| Participant deferral / active EE | $2,550 | $3,871-34.1% | $5,060-49.6% | $4,300-40.7% |
| Admin fee / account holder | $5,785 | $6,719-13.9% | $8,388-31.0% | $6,925-16.5% |