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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 | $95,404-23.0% | $113,397-35.2% | $82,637-11.1% |
| Participation rate | 66.7% | 72.8%-6.2pp | 76.5%-9.8pp | 68.1%-1.4pp |
| Annual return | 12.95% | 19.08%-6.1pp | 23.20%-10.2pp | 53.51%-40.6pp |
| Employer contribution / active EE | $24 | $2,307-99.0% | $2,977-99.2% | $2,552-99.1% |
| Participant deferral / active EE | $3,440 | $4,220-18.5% | $5,076-32.2% | $4,126-16.6% |
| Admin fee / account holder | $597 | $9,168-93.5% | $11,957-95.0% | $7,339-91.9% |