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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 | $89,712 | $94,031-4.6% | $115,768-22.5% | $82,448+8.8% |
| Participation rate | 60.0% | 70.4%-10.4pp | 74.4%-14.4pp | 68.1%-8.1pp |
| Annual return | 14.50% | 20.61%-6.1pp | 100.46%-86.0pp | 41.64%-27.1pp |
| Employer contribution / active EE | $649 | $2,323-72.1% | $2,940-77.9% | $2,551-74.6% |
| Participant deferral / active EE | $2,565 | $3,972-35.4% | $4,917-47.8% | $4,139-38.0% |
| Admin fee / account holder | $3,834 | $10,249-62.6% | $12,439-69.2% | $7,234-47.0% |