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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 | $76,097 | $78,428-3.0% | $95,960-20.7% | $79,852-4.7% |
| Participation rate | 63.4% | 73.5%-10.1pp | 77.1%-13.7pp | 69.6%-6.3pp |
| Annual return | 12.84% | 19.37%-6.5pp | 91.63%-78.8pp | 31.72%-18.9pp |
| Employer contribution / active EE | $335 | $1,945-82.8% | $2,541-86.8% | $2,471-86.5% |
| Participant deferral / active EE | $1,883 | $3,440-45.3% | $4,167-54.8% | $3,740-49.7% |
| Admin fee / account holder | $6,312 | $5,622+12.3% | $6,797-7.1% | $5,306+19.0% |