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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 | $78,888 | $97,550-19.1% | $120,344-34.4% | $87,485-9.8% |
| Participation rate | 40.7% | 72.8%-32.1pp | 76.7%-36.0pp | 68.9%-28.2pp |
| Annual return | 12.87% | 18.41%-5.5pp | 20.30%-7.4pp | 26.06%-13.2pp |
| Employer contribution / active EE | $124 | $2,291-94.6% | $3,020-95.9% | $2,596-95.2% |
| Participant deferral / active EE | $2,509 | $4,230-40.7% | $5,135-51.1% | $4,274-41.3% |
| Admin fee / account holder | $6,126 | $9,543-35.8% | $12,742-51.9% | $7,775-21.2% |