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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 | $66,808 | $58,848+13.5% | $88,179-24.2% | $82,637-19.2% |
| Participation rate | 46.9% | 57.9%-11.0pp | 69.1%-22.3pp | 68.1%-21.2pp |
| Annual return | 14.66% | 22.76%-8.1pp | 64.97%-50.3pp | 53.51%-38.8pp |
| Employer contribution / active EE | $194 | $1,678-88.4% | $2,549-92.4% | $2,552-92.4% |
| Participant deferral / active EE | $3,377 | $3,124+8.1% | $4,614-26.8% | $4,126-18.2% |
| Admin fee / account holder | $500 | $4,795-89.6% | $7,673-93.5% | $7,339-93.2% |