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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 | $71,622 | $69,444+3.1% | $92,985-23.0% | $87,485-18.1% |
| Participation rate | 49.1% | 63.3%-14.2pp | 69.5%-20.4pp | 68.9%-19.9pp |
| Annual return | 13.79% | 23.85%-10.1pp | 27.99%-14.2pp | 26.06%-12.3pp |
| Employer contribution / active EE | $191 | $1,917-90.1% | $2,662-92.8% | $2,596-92.7% |
| Participant deferral / active EE | $4,236 | $3,364+25.9% | $4,377-3.2% | $4,274-0.9% |
| Admin fee / account holder | $7,909 | $6,137+28.9% | $9,463-16.4% | $7,775+1.7% |