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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 | $72,756 | $78,013-6.7% | $178,449-59.2% | $80,911-10.1% |
| Participation rate | 34.1% | 65.7%-31.5pp | 77.1%-43.0pp | 67.6%-33.5pp |
| Annual return | 12.72% | 18.07%-5.3pp | 27.09%-14.4pp | 35.63%-22.9pp |
| Employer contribution / active EE | $219 | $2,287-90.4% | $3,951-94.5% | $2,756-92.1% |
| Participant deferral / active EE | $1,547 | $4,408-64.9% | $6,277-75.4% | $4,297-64.0% |
| Admin fee / account holder | $10,138 | $7,166+41.5% | $10,362-2.2% | $6,935+46.2% |