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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 | $83,993 | $81,504+3.1% | $102,437-18.0% | $80,959+3.7% |
| Participation rate | 54.8% | 66.9%-12.0pp | 74.5%-19.7pp | 67.7%-12.8pp |
| Annual return | 18.31% | 25.60%-7.3pp | 24.95%-6.6pp | 35.67%-17.4pp |
| Employer contribution / active EE | $670 | $3,104-78.4% | $3,871-82.7% | $2,757-75.7% |
| Participant deferral / active EE | $2,352 | $3,871-39.2% | $5,060-53.5% | $4,300-45.3% |
| Admin fee / account holder | $489 | $6,719-92.7% | $8,388-94.2% | $6,925-92.9% |