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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 | $69,289 | $83,898-17.4% | $133,346-48.0% | $94,015-26.3% |
| Participation rate | 9.4% | 63.4%-54.0pp | 72.8%-63.5pp | 70.8%-61.4pp |
| Annual return | 21.45% | 16.00%+5.4pp | 36.85%-15.4pp | 17.84%+3.6pp |
| Employer contribution / active EE | $266 | $1,821-85.4% | $2,853-90.7% | $2,790-90.5% |
| Participant deferral / active EE | $1,694 | $3,245-47.8% | $4,332-60.9% | $4,249-60.1% |
| Admin fee / account holder | $773 | $7,809-90.1% | $14,264-94.6% | $8,951-91.4% |