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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 | $79,738 | $97,550-18.3% | $120,344-33.7% | $87,485-8.9% |
| Participation rate | 53.8% | 72.8%-19.0pp | 76.7%-22.9pp | 68.9%-15.1pp |
| Annual return | 14.92% | 18.41%-3.5pp | 20.30%-5.4pp | 26.06%-11.1pp |
| Employer contribution / active EE | $359 | $2,291-84.3% | $3,020-88.1% | $2,596-86.2% |
| Participant deferral / active EE | $2,152 | $4,230-49.1% | $5,135-58.1% | $4,274-49.6% |
| Admin fee / account holder | $606 | $9,543-93.6% | $12,742-95.2% | $7,775-92.2% |