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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 | $62,505 | $88,370-29.3% | $112,977-44.7% | $79,858-21.7% |
| Participation rate | 69.5% | 76.8%-7.3pp | 82.6%-13.1pp | 69.6%-0.1pp |
| Annual return | 14.44% | 23.16%-8.7pp | 24.24%-9.8pp | 31.72%-17.3pp |
| Employer contribution / active EE | $186 | $3,398-94.5% | $4,255-95.6% | $2,471-92.5% |
| Participant deferral / active EE | $2,122 | $4,536-53.2% | $5,836-63.6% | $3,740-43.3% |
| Admin fee / account holder | $480 | $5,750-91.7% | $6,294-92.4% | $5,306-91.0% |