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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 | $72,021 | $147,594-51.2% | $121,871-40.9% | $198,609-63.7% |
| Participation rate | 53.3% | 78.0%-24.6pp | 73.2%-19.9pp | 82.4%-29.0pp |
| Annual return | 14.73% | 12.94%+1.8pp | 13.57%+1.2pp | 202.70%-188.0pp |
| Employer contribution / active EE | $98 | $3,007-96.7% | $2,731-96.4% | $5,055-98.1% |
| Participant deferral / active EE | $2,848 | $5,168-44.9% | $4,318-34.1% | $6,977-59.2% |
| Admin fee / account holder | $3,422 | $15,134-77.4% | $11,551-70.4% | $19,030-82.0% |