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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 | $71,520 | $71,215+0.4% | $93,696-23.7% | $80,935-11.6% |
| Participation rate | 40.8% | 60.4%-19.6pp | 68.7%-27.9pp | 67.7%-26.8pp |
| Annual return | 12.38% | 11.27%+1.1pp | 133.74%-121.4pp | 35.66%-23.3pp |
| Employer contribution / active EE | $286 | $1,565-81.7% | $2,422-88.2% | $2,757-89.6% |
| Participant deferral / active EE | $1,792 | $4,037-55.6% | $4,417-59.4% | $4,299-58.3% |
| Admin fee / account holder | $10,899 | $6,958+56.6% | $8,287+31.5% | $6,924+57.4% |