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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 | $79,116 | $115,931-31.8% | $185,441-57.3% | $86,983-9.0% |
| Participation rate | 64.7% | 73.6%-8.9pp | 80.3%-15.6pp | 69.5%-4.8pp |
| Annual return | 12.24% | 21.47%-9.2pp | 20.16%-7.9pp | 25.83%-13.6pp |
| Employer contribution / active EE | $549 | $2,937-81.3% | $4,672-88.2% | $2,584-78.7% |
| Participant deferral / active EE | $5,493 | $4,551+20.7% | $6,152-10.7% | $4,194+31.0% |
| Admin fee / account holder | $985 | $10,687-90.8% | $17,890-94.5% | $7,856-87.5% |