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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 | $77,380 | $80,781-4.2% | $102,437-24.5% | $74,478+3.9% |
| Participation rate | 41.0% | 65.7%-24.7pp | 74.5%-33.5pp | 67.2%-26.2pp |
| Annual return | 12.99% | 27.58%-14.6pp | 24.95%-12.0pp | 1370.56%-1357.6pp |
| Employer contribution / active EE | $342 | $3,160-89.2% | $3,871-91.2% | $2,626-87.0% |
| Participant deferral / active EE | $2,631 | $3,862-31.9% | $5,060-48.0% | $4,350-39.5% |
| Admin fee / account holder | $913 | $2,372-61.5% | $8,388-89.1% | $1,946-53.1% |