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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 | $39,830 | $73,787-46.0% | $98,716-59.7% | $82,448-51.7% |
| Participation rate | 69.7% | 61.4%+8.3pp | 69.3%+0.4pp | 68.1%+1.6pp |
| Annual return | 16.97% | 18.57%-1.6pp | 31.81%-14.8pp | 41.64%-24.7pp |
| Employer contribution / active EE | $121 | $1,511-92.0% | $2,279-94.7% | $2,551-95.3% |
| Participant deferral / active EE | $4,142 | $3,081+34.4% | $4,048+2.3% | $4,139+0.1% |
| Admin fee / account holder | $1,218 | $6,500-81.3% | $8,703-86.0% | $7,234-83.2% |