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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 | $117,432 | $115,931+1.3% | $185,441-36.7% | $86,983+35.0% |
| Participation rate | 58.6% | 73.6%-15.0pp | 80.3%-21.6pp | 69.5%-10.9pp |
| Annual return | 12.03% | 21.47%-9.4pp | 20.16%-8.1pp | 25.83%-13.8pp |
| Employer contribution / active EE | $579 | $2,937-80.3% | $4,672-87.6% | $2,584-77.6% |
| Participant deferral / active EE | $2,732 | $4,551-40.0% | $6,152-55.6% | $4,194-34.8% |
| Admin fee / account holder | $8,979 | $10,687-16.0% | $17,890-49.8% | $7,856+14.3% |