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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 | $72,093 | $76,696-6.0% | $96,538-25.3% | $71,529+0.8% |
| Participation rate | 39.6% | 66.6%-26.9pp | 74.3%-34.7pp | 67.9%-28.3pp |
| Annual return | 15.71% | 48.32%-32.6pp | 35.74%-20.0pp | 28.97%-13.3pp |
| Employer contribution / active EE | $371 | $3,032-87.8% | $3,740-90.1% | $2,590-85.7% |
| Participant deferral / active EE | $2,753 | $3,770-27.0% | $4,880-43.6% | $4,291-35.8% |
| Admin fee / account holder | $529 | $2,030-73.9% | $6,737-92.2% | $1,588-66.7% |