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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 | $72,640 | $72,492+0.2% | $87,104-16.6% | $72,975-0.5% |
| Participation rate | 60.6% | 72.8%-12.2pp | 76.9%-16.3pp | 69.5%-8.9pp |
| Annual return | 21.94% | 24.46%-2.5pp | 28.19%-6.2pp | 81.01%-59.1pp |
| Employer contribution / active EE | $271 | $1,894-85.7% | $2,521-89.2% | $2,440-88.9% |
| Participant deferral / active EE | $1,740 | $3,270-46.8% | $4,048-57.0% | $3,608-51.8% |
| Admin fee / account holder | $1,492 | $5,055-70.5% | $7,491-80.1% | $5,124-70.9% |