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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 | $57,599 | $69,444-17.1% | $92,985-38.1% | $87,485-34.2% |
| Participation rate | 50.0% | 63.3%-13.3pp | 69.5%-19.5pp | 68.9%-18.9pp |
| Annual return | 14.92% | 23.85%-8.9pp | 27.99%-13.1pp | 26.06%-11.1pp |
| Employer contribution / active EE | $278 | $1,917-85.5% | $2,662-89.5% | $2,596-89.3% |
| Participant deferral / active EE | $1,971 | $3,364-41.4% | $4,377-55.0% | $4,274-53.9% |
| Admin fee / account holder | $8,063 | $6,137+31.4% | $9,463-14.8% | $7,775+3.7% |