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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 | $70,698 | $78,425-9.9% | $95,956-26.3% | $79,858-11.5% |
| Participation rate | 41.7% | 73.5%-31.8pp | 77.1%-35.4pp | 69.6%-28.0pp |
| Annual return | 29.05% | 19.37%+9.7pp | 91.63%-62.6pp | 31.72%-2.7pp |
| Employer contribution / active EE | $282 | $1,945-85.5% | $2,541-88.9% | $2,471-88.6% |
| Participant deferral / active EE | $1,672 | $3,440-51.4% | $4,167-59.9% | $3,740-55.3% |
| Admin fee / account holder | $1,061 | $5,622-81.1% | $6,797-84.4% | $5,306-80.0% |