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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 | $96,639 | $101,798-5.1% | $165,071-41.5% | $80,935+19.4% |
| Participation rate | 69.8% | 71.8%-2.1pp | 78.6%-8.9pp | 67.7%+2.1pp |
| Annual return | 12.08% | 16.73%-4.7pp | 70.17%-58.1pp | 35.66%-23.6pp |
| Employer contribution / active EE | $625 | $2,954-78.9% | $4,347-85.6% | $2,757-77.3% |
| Participant deferral / active EE | $2,362 | $4,476-47.2% | $6,035-60.9% | $4,299-45.1% |
| Admin fee / account holder | $749 | $8,221-90.9% | $12,695-94.1% | $6,924-89.2% |