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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 | $72,116 | $72,273-0.2% | $101,275-28.8% | $79,856-9.7% |
| Participation rate | 43.8% | 68.5%-24.7pp | 75.8%-32.1pp | 69.6%-25.9pp |
| Annual return | 29.64% | 22.30%+7.3pp | 46.48%-16.8pp | 31.71%-2.1pp |
| Employer contribution / active EE | $53 | $2,691-98.0% | $3,660-98.6% | $2,471-97.9% |
| Participant deferral / active EE | $2,290 | $3,282-30.2% | $4,371-47.6% | $3,741-38.8% |
| Admin fee / account holder | $454 | $4,401-89.7% | $5,948-92.4% | $5,306-91.4% |