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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 | $74,590 | $81,504-8.5% | $102,437-27.2% | $80,959-7.9% |
| Participation rate | 48.3% | 66.9%-18.5pp | 74.5%-26.2pp | 67.7%-19.3pp |
| Annual return | 12.46% | 25.60%-13.1pp | 24.95%-12.5pp | 35.67%-23.2pp |
| Employer contribution / active EE | $183 | $3,104-94.1% | $3,871-95.3% | $2,757-93.4% |
| Participant deferral / active EE | $3,264 | $3,871-15.7% | $5,060-35.5% | $4,300-24.1% |
| Admin fee / account holder | $8,115 | $6,719+20.8% | $8,388-3.3% | $6,925+17.2% |