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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 | $76,191 | $124,425-38.8% | $112,040-32.0% | $137,256-44.5% |
| Participation rate | 66.7% | 79.3%-12.6pp | 76.5%-9.8pp | 80.0%-13.3pp |
| Annual return | 11.51% | 24.72%-13.2pp | 24.52%-13.0pp | 220.34%-208.8pp |
| Employer contribution / active EE | $353 | $3,411-89.6% | $2,954-88.0% | $4,156-91.5% |
| Participant deferral / active EE | $3,243 | $5,718-43.3% | $5,098-36.4% | $6,407-49.4% |
| Admin fee / account holder | $6,900 | $15,207-54.6% | $12,098-43.0% | $12,270-43.8% |