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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 | $94,525 | $101,752-7.1% | $164,928-42.7% | $80,911+16.8% |
| Participation rate | 65.6% | 71.8%-6.2pp | 78.6%-13.0pp | 67.6%-2.0pp |
| Annual return | 16.97% | 16.73%+0.2pp | 70.08%-53.1pp | 35.63%-18.7pp |
| Employer contribution / active EE | $451 | $2,953-84.7% | $4,343-89.6% | $2,756-83.6% |
| Participant deferral / active EE | $2,336 | $4,477-47.8% | $6,034-61.3% | $4,297-45.6% |
| Admin fee / account holder | $666 | $8,218-91.9% | $12,684-94.7% | $6,935-90.4% |