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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 | $83,904 | $83,369+0.6% | $105,223-20.3% | $67,986+23.4% |
| Participation rate | 44.0% | 56.3%-12.3pp | 75.0%-31.0pp | 57.2%-13.2pp |
| Annual return | 20.02% | 24.64%-4.6pp | 180.65%-160.6pp | 31.67%-11.6pp |
| Employer contribution / active EE | $363 | $2,541-85.7% | $3,689-90.2% | $2,019-82.0% |
| Participant deferral / active EE | $2,843 | $3,295-13.7% | $5,072-43.9% | $3,358-15.3% |
| Admin fee / account holder | $966 | $4,073-76.3% | $8,859-89.1% | $3,203-69.8% |