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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 | $72,738 | $71,215+2.1% | $93,696-22.4% | $80,935-10.1% |
| Participation rate | 41.9% | 60.4%-18.5pp | 68.7%-26.8pp | 67.7%-25.8pp |
| Annual return | 13.93% | 11.27%+2.7pp | 133.74%-119.8pp | 35.66%-21.7pp |
| Employer contribution / active EE | $272 | $1,565-82.6% | $2,422-88.8% | $2,757-90.1% |
| Participant deferral / active EE | $3,273 | $4,037-18.9% | $4,417-25.9% | $4,299-23.9% |
| Admin fee / account holder | $6,253 | $6,958-10.1% | $8,287-24.5% | $6,924-9.7% |