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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 | $62,459 | $59,804+4.4% | $81,982-23.8% | $79,856-21.8% |
| Participation rate | 22.0% | 61.6%-39.6pp | 69.3%-47.2pp | 69.6%-47.6pp |
| Annual return | 22.36% | 17.56%+4.8pp | 41.31%-19.0pp | 31.71%-9.4pp |
| Employer contribution / active EE | $120 | $1,713-93.0% | $2,498-95.2% | $2,471-95.2% |
| Participant deferral / active EE | $954 | $2,695-64.6% | $3,722-74.4% | $3,741-74.5% |
| Admin fee / account holder | $577 | $4,288-86.5% | $5,665-89.8% | $5,306-89.1% |