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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 | $81,207 | $95,453-14.9% | $112,040-27.5% | $82,448-1.5% |
| Participation rate | 67.7% | 72.8%-5.0pp | 76.5%-8.8pp | 68.1%-0.3pp |
| Annual return | 16.77% | 23.92%-7.1pp | 24.52%-7.7pp | 41.64%-24.9pp |
| Employer contribution / active EE | $366 | $2,318-84.2% | $2,954-87.6% | $2,551-85.7% |
| Participant deferral / active EE | $2,898 | $4,224-31.4% | $5,098-43.1% | $4,139-30.0% |
| Admin fee / account holder | $8,205 | $9,013-9.0% | $12,098-32.2% | $7,234+13.4% |