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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 | $68,224 | $67,411+1.2% | $91,004-25.0% | $70,126-2.7% |
| Participation rate | 29.1% | 71.4%-42.3pp | 75.6%-46.5pp | 69.5%-40.4pp |
| Annual return | 14.27% | -40.16%+54.4pp | 4.60%+9.7pp | 73.15%-58.9pp |
| Employer contribution / active EE | $262 | $1,786-85.3% | $2,456-89.3% | $2,343-88.8% |
| Participant deferral / active EE | $1,315 | $2,823-53.4% | $3,548-62.9% | $3,332-60.5% |
| Admin fee / account holder | $2,470 | $4,236-41.7% | $5,417-54.4% | $4,645-46.8% |