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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 | $75,234 | $78,682-4.4% | $109,188-31.1% | $85,851-12.4% |
| Participation rate | 44.2% | 68.3%-24.0pp | 75.9%-31.6pp | 69.3%-25.1pp |
| Annual return | 14.61% | 25.09%-10.5pp | 25.76%-11.1pp | 318.63%-304.0pp |
| Employer contribution / active EE | $361 | $2,734-86.8% | $3,723-90.3% | $2,565-85.9% |
| Participant deferral / active EE | $2,142 | $3,468-38.2% | $4,654-54.0% | $3,952-45.8% |
| Admin fee / account holder | $3,448 | $5,470-37.0% | $6,755-49.0% | $6,261-44.9% |