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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 | $87,089 | $76,834+13.3% | $108,359-19.6% | $87,485-0.5% |
| Participation rate | 40.5% | 61.7%-21.3pp | 70.1%-29.6pp | 68.9%-28.5pp |
| Annual return | 15.27% | 19.09%-3.8pp | 36.89%-21.6pp | 26.06%-10.8pp |
| Employer contribution / active EE | $25 | $1,556-98.4% | $2,399-99.0% | $2,596-99.0% |
| Participant deferral / active EE | $2,071 | $3,100-33.2% | $4,137-49.9% | $4,274-51.5% |
| Admin fee / account holder | $2,472 | $6,537-62.2% | $9,741-74.6% | $7,775-68.2% |