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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 | $43,344 | $52,306-17.1% | $69,779-37.9% | $62,881-31.1% |
| Participation rate | 67.6% | 67.2%+0.4pp | 71.8%-4.2pp | 69.3%-1.7pp |
| Annual return | 7.77% | 13.35%-5.6pp | 12.99%-5.2pp | 20.14%-12.4pp |
| Employer contribution / active EE | $291 | $1,799-83.8% | $2,338-87.6% | $2,281-87.2% |
| Participant deferral / active EE | $1,870 | $2,395-21.9% | $2,931-36.2% | $3,203-41.6% |
| Admin fee / account holder | $4,463 | $3,691+20.9% | $4,381+1.9% | $4,296+3.9% |