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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 | $95,453-16.5% | $112,040-28.8% | $82,448-3.3% |
| Participation rate | 53.8% | 72.8%-18.9pp | 76.5%-22.6pp | 68.1%-14.2pp |
| Annual return | 14.92% | 23.92%-9.0pp | 24.52%-9.6pp | 41.64%-26.7pp |
| Employer contribution / active EE | $359 | $2,318-84.5% | $2,954-87.8% | $2,551-85.9% |
| Participant deferral / active EE | $2,152 | $4,224-49.1% | $5,098-57.8% | $4,139-48.0% |
| Admin fee / account holder | $606 | $9,013-93.3% | $12,098-95.0% | $7,234-91.6% |