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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 | $57,061+4.0% | $85,063-30.2% | $80,911-26.7% |
| Participation rate | 8.2% | 56.3%-48.2pp | 67.5%-59.3pp | 67.6%-59.5pp |
| Annual return | 11.58% | 21.66%-10.1pp | 66.54%-55.0pp | 35.63%-24.0pp |
| Employer contribution / active EE | $194 | $1,799-89.2% | $2,727-92.9% | $2,756-92.9% |
| Participant deferral / active EE | $798 | $3,110-74.4% | $4,523-82.4% | $4,297-81.4% |
| Admin fee / account holder | $2,811 | $4,986-43.6% | $6,155-54.3% | $6,935-59.5% |