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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 | $64,306 | $67,602-4.9% | $82,312-21.9% | $70,126-8.3% |
| Participation rate | 47.8% | 72.8%-25.0pp | 76.9%-29.1pp | 69.5%-21.8pp |
| Annual return | 19.35% | 21.57%-2.2pp | 25.88%-6.5pp | 73.15%-53.8pp |
| Employer contribution / active EE | $359 | $1,755-79.5% | $2,428-85.2% | $2,343-84.7% |
| Participant deferral / active EE | $2,821 | $2,987-5.6% | $3,706-23.9% | $3,332-15.3% |
| Admin fee / account holder | $370 | $4,512-91.8% | $5,608-93.4% | $4,645-92.0% |