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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 | $81,098 | $77,896+4.1% | $134,172-39.6% | $82,448-1.6% |
| Participation rate | 23.5% | 62.8%-39.3pp | 72.5%-49.0pp | 68.1%-44.6pp |
| Annual return | 15.67% | 18.21%-2.5pp | 25.30%-9.6pp | 41.64%-26.0pp |
| Employer contribution / active EE | $229 | $2,159-89.4% | $3,420-93.3% | $2,551-91.0% |
| Participant deferral / active EE | $1,794 | $3,162-43.3% | $4,690-61.8% | $4,139-56.7% |
| Admin fee / account holder | $5,696 | $6,336-10.1% | $12,016-52.6% | $7,234-21.3% |