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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 | $60,928 | $71,230-14.5% | $93,727-35.0% | $80,959-24.7% |
| Participation rate | 33.3% | 60.4%-27.1pp | 68.7%-35.4pp | 67.7%-34.3pp |
| Annual return | 12.77% | 11.26%+1.5pp | 133.83%-121.1pp | 35.67%-22.9pp |
| Employer contribution / active EE | $235 | $1,565-85.0% | $2,421-90.3% | $2,757-91.5% |
| Participant deferral / active EE | $2,133 | $4,037-47.2% | $4,417-51.7% | $4,300-50.4% |
| Admin fee / account holder | $1,918 | $6,961-72.5% | $8,292-76.9% | $6,925-72.3% |