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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 | $74,645 | $77,574-3.8% | $108,753-31.4% | $86,983-14.2% |
| Participation rate | 38.9% | 62.3%-23.4pp | 71.1%-32.2pp | 69.5%-30.7pp |
| Annual return | 13.96% | 18.42%-4.5pp | 37.47%-23.5pp | 25.83%-11.9pp |
| Employer contribution / active EE | $168 | $1,611-89.6% | $2,427-93.1% | $2,584-93.5% |
| Participant deferral / active EE | $1,252 | $3,128-60.0% | $4,115-69.6% | $4,194-70.1% |
| Admin fee / account holder | $1,394 | $6,529-78.7% | $10,320-86.5% | $7,856-82.3% |