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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 | $74,787 | $95,453-21.7% | $112,040-33.2% | $82,448-9.3% |
| Participation rate | 59.6% | 72.8%-13.2pp | 76.5%-16.9pp | 68.1%-8.5pp |
| Annual return | 21.54% | 23.92%-2.4pp | 24.52%-3.0pp | 41.64%-20.1pp |
| Employer contribution / active EE | $151 | $2,318-93.5% | $2,954-94.9% | $2,551-94.1% |
| Participant deferral / active EE | $2,582 | $4,224-38.9% | $5,098-49.3% | $4,139-37.6% |
| Admin fee / account holder | $9,802 | $9,013+8.7% | $12,098-19.0% | $7,234+35.5% |