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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 | $75,336 | $81,331-7.4% | $155,534-51.6% | $80,935-6.9% |
| Participation rate | 42.7% | 66.3%-23.6pp | 78.2%-35.6pp | 67.7%-25.0pp |
| Annual return | 15.68% | 33.37%-17.7pp | 64.92%-49.2pp | 35.66%-20.0pp |
| Employer contribution / active EE | $274 | $3,105-91.2% | $4,675-94.1% | $2,757-90.1% |
| Participant deferral / active EE | $2,623 | $3,454-24.1% | $5,630-53.4% | $4,299-39.0% |
| Admin fee / account holder | $10,088 | $7,999+26.1% | $15,900-36.6% | $6,924+45.7% |