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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 | $84,570 | $95,404-11.4% | $113,397-25.4% | $82,637+2.3% |
| Participation rate | 32.3% | 72.8%-40.6pp | 76.5%-44.2pp | 68.1%-35.8pp |
| Annual return | 14.01% | 19.08%-5.1pp | 23.20%-9.2pp | 53.51%-39.5pp |
| Employer contribution / active EE | $210 | $2,307-90.9% | $2,977-92.9% | $2,552-91.8% |
| Participant deferral / active EE | $2,685 | $4,220-36.4% | $5,076-47.1% | $4,126-34.9% |
| Admin fee / account holder | $2,779 | $9,168-69.7% | $11,957-76.8% | $7,339-62.1% |