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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 | $74,279 | $78,423-5.3% | $95,964-22.6% | $79,856-7.0% |
| Participation rate | 47.1% | 73.5%-26.4pp | 77.1%-30.0pp | 69.6%-22.6pp |
| Annual return | 20.45% | 19.37%+1.1pp | 91.64%-71.2pp | 31.71%-11.3pp |
| Employer contribution / active EE | $292 | $1,945-85.0% | $2,541-88.5% | $2,471-88.2% |
| Participant deferral / active EE | $2,915 | $3,440-15.3% | $4,167-30.0% | $3,741-22.1% |
| Admin fee / account holder | $4,933 | $5,622-12.3% | $6,797-27.4% | $5,306-7.0% |