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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 | $74,672 | $81,358-8.2% | $155,556-52.0% | $80,959-7.8% |
| Participation rate | 43.2% | 66.3%-23.0pp | 78.2%-35.0pp | 67.7%-24.4pp |
| Annual return | 13.39% | 33.39%-20.0pp | 64.84%-51.4pp | 35.67%-22.3pp |
| Employer contribution / active EE | $225 | $3,106-92.8% | $4,675-95.2% | $2,757-91.9% |
| Participant deferral / active EE | $3,882 | $3,455+12.3% | $5,631-31.1% | $4,300-9.7% |
| Admin fee / account holder | $12,785 | $7,994+59.9% | $15,885-19.5% | $6,925+84.6% |