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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 | $60,801 | $65,246-6.8% | $98,716-38.4% | $67,986-10.6% |
| Participation rate | 19.0% | 51.4%-32.4pp | 69.3%-50.3pp | 57.2%-38.2pp |
| Annual return | 15.47% | 20.58%-5.1pp | 31.81%-16.3pp | 31.67%-16.2pp |
| Employer contribution / active EE | $140 | $1,042-86.6% | $2,279-93.9% | $2,019-93.1% |
| Participant deferral / active EE | $1,243 | $2,594-52.1% | $4,048-69.3% | $3,358-63.0% |
| Admin fee / account holder | $6,945 | $4,561+52.3% | $8,703-20.2% | $3,203+116.8% |