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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 | $59,341 | $57,140+3.9% | $85,240-30.4% | $80,959-26.7% |
| Participation rate | 8.2% | 56.4%-48.2pp | 67.5%-59.4pp | 67.7%-59.5pp |
| Annual return | 11.58% | 21.71%-10.1pp | 66.75%-55.2pp | 35.67%-24.1pp |
| Employer contribution / active EE | $194 | $1,802-89.2% | $2,735-92.9% | $2,757-93.0% |
| Participant deferral / active EE | $798 | $3,115-74.4% | $4,527-82.4% | $4,300-81.5% |
| Admin fee / account holder | $2,811 | $4,992-43.7% | $6,165-54.4% | $6,925-59.4% |