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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 | $73,491 | $95,453-23.0% | $112,040-34.4% | $82,448-10.9% |
| Participation rate | 66.7% | 72.8%-6.1pp | 76.5%-9.8pp | 68.1%-1.4pp |
| Annual return | 12.95% | 23.92%-11.0pp | 24.52%-11.6pp | 41.64%-28.7pp |
| Employer contribution / active EE | $24 | $2,318-99.0% | $2,954-99.2% | $2,551-99.1% |
| Participant deferral / active EE | $3,440 | $4,224-18.6% | $5,098-32.5% | $4,139-16.9% |
| Admin fee / account holder | $597 | $9,013-93.4% | $12,098-95.1% | $7,234-91.8% |