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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 | $88,425 | $131,167-32.6% | $216,606-59.2% | $131,167-32.6% |
| Participation rate | 61.8% | 70.6%-8.8pp | 84.0%-22.2pp | 70.6%-8.8pp |
| Annual return | 11.80% | 14.69%-2.9pp | -8.70%+20.5pp | 14.69%-2.9pp |
| Employer contribution / active EE | $296 | $3,654-91.9% | $9,454-96.9% | $3,654-91.9% |
| Participant deferral / active EE | $2,258 | $4,079-44.6% | $7,730-70.8% | $4,079-44.6% |
| Admin fee / account holder | $8,311 | $12,045-31.0% | $4,072+104.1% | $12,045-31.0% |