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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 | $81,098 | $79,894+1.5% | $135,792-40.3% | $82,637-1.9% |
| Participation rate | 45.2% | 63.0%-17.8pp | 72.6%-27.4pp | 68.1%-22.9pp |
| Annual return | 15.29% | 17.20%-1.9pp | 25.96%-10.7pp | 53.51%-38.2pp |
| Employer contribution / active EE | $524 | $2,165-75.8% | $3,496-85.0% | $2,552-79.5% |
| Participant deferral / active EE | $2,311 | $3,194-27.7% | $4,759-51.5% | $4,126-44.0% |
| Admin fee / account holder | $395 | $6,434-93.9% | $12,266-96.8% | $7,339-94.6% |