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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 | $68,358 | $67,602+1.1% | $82,312-17.0% | $70,126-2.5% |
| Participation rate | 41.8% | 72.8%-31.0pp | 76.9%-35.1pp | 69.5%-27.8pp |
| Annual return | 15.18% | 21.57%-6.4pp | 25.88%-10.7pp | 73.15%-58.0pp |
| Employer contribution / active EE | $218 | $1,755-87.6% | $2,428-91.0% | $2,343-90.7% |
| Participant deferral / active EE | $1,723 | $2,987-42.3% | $3,706-53.5% | $3,332-48.3% |
| Admin fee / account holder | $1,409 | $4,512-68.8% | $5,608-74.9% | $4,645-69.7% |