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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 | $137,405 | $161,352-14.8% | $134,172+2.4% | $137,256+0.1% |
| Participation rate | 62.5% | 78.3%-15.8pp | 72.5%-10.0pp | 80.0%-17.5pp |
| Annual return | 10.74% | 28.72%-18.0pp | 25.30%-14.6pp | 220.34%-209.6pp |
| Employer contribution / active EE | $232 | $4,099-94.3% | $3,420-93.2% | $4,156-94.4% |
| Participant deferral / active EE | $3,419 | $5,552-38.4% | $4,690-27.1% | $6,407-46.6% |
| Admin fee / account holder | $1,234 | $15,028-91.8% | $12,016-89.7% | $12,270-89.9% |