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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 | $72,875 | $71,215+2.3% | $93,696-22.2% | $80,935-10.0% |
| Participation rate | 47.1% | 60.4%-13.3pp | 68.7%-21.6pp | 67.7%-20.5pp |
| Annual return | 11.49% | 11.27%+0.2pp | 133.74%-122.3pp | 35.66%-24.2pp |
| Employer contribution / active EE | $302 | $1,565-80.7% | $2,422-87.5% | $2,757-89.0% |
| Participant deferral / active EE | $2,605 | $4,037-35.5% | $4,417-41.0% | $4,299-39.4% |
| Admin fee / account holder | $2,026 | $6,958-70.9% | $8,287-75.5% | $6,924-70.7% |