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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 | $69,772 | $81,331-14.2% | $155,534-55.1% | $80,935-13.8% |
| Participation rate | 56.4% | 66.3%-9.8pp | 78.2%-21.8pp | 67.7%-11.3pp |
| Annual return | 16.99% | 33.37%-16.4pp | 64.92%-47.9pp | 35.66%-18.7pp |
| Employer contribution / active EE | $219 | $3,105-93.0% | $4,675-95.3% | $2,757-92.1% |
| Participant deferral / active EE | $6,012 | $3,454+74.1% | $5,630+6.8% | $4,299+39.8% |
| Admin fee / account holder | $7,697 | $7,999-3.8% | $15,900-51.6% | $6,924+11.2% |