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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 | $68,799 | $86,341-20.3% | $125,195-45.0% | $65,186+5.5% |
| Participation rate | 53.5% | 75.3%-21.8pp | 79.8%-26.3pp | 70.2%-16.7pp |
| Annual return | 28.85% | 27.44%+1.4pp | 43.79%-14.9pp | 29.39%-0.5pp |
| Employer contribution / active EE | $592 | $2,040-71.0% | $3,866-84.7% | $2,177-72.8% |
| Participant deferral / active EE | $2,048 | $3,538-42.1% | $4,937-58.5% | $3,514-41.7% |
| Admin fee / account holder | $8,446 | $609+1286.1% | $9,704-13.0% | $847+896.9% |