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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 | $73,844 | $64,359+14.7% | $90,161-18.1% | $70,126+5.3% |
| Participation rate | 55.9% | 70.4%-14.6pp | 76.9%-21.0pp | 69.5%-13.7pp |
| Annual return | 16.12% | 28.13%-12.0pp | 34.89%-18.8pp | 73.15%-57.0pp |
| Employer contribution / active EE | $121 | $2,046-94.1% | $3,318-96.3% | $2,343-94.8% |
| Participant deferral / active EE | $2,428 | $4,389-44.7% | $5,287-54.1% | $3,332-27.1% |
| Admin fee / account holder | $2,140 | $3,945-45.8% | $5,943-64.0% | $4,645-53.9% |