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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 | $70,116 | $71,197-1.5% | $93,669-25.1% | $80,925-13.4% |
| Participation rate | 45.5% | 60.4%-14.9pp | 68.7%-23.3pp | 67.7%-22.2pp |
| Annual return | 16.28% | 11.27%+5.0pp | 133.59%-117.3pp | 35.65%-19.4pp |
| Employer contribution / active EE | $177 | $1,565-88.7% | $2,424-92.7% | $2,756-93.6% |
| Participant deferral / active EE | $1,260 | $4,036-68.8% | $4,416-71.5% | $4,299-70.7% |
| Admin fee / account holder | $2,138 | $6,959-69.3% | $8,291-74.2% | $6,940-69.2% |