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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 | $75,216 | $81,487-7.7% | $102,412-26.6% | $80,935-7.1% |
| Participation rate | 46.7% | 66.8%-20.2pp | 74.5%-27.8pp | 67.7%-21.0pp |
| Annual return | 12.12% | 25.60%-13.5pp | 24.94%-12.8pp | 35.66%-23.5pp |
| Employer contribution / active EE | $787 | $3,103-74.6% | $3,870-79.7% | $2,757-71.5% |
| Participant deferral / active EE | $3,938 | $3,871+1.7% | $5,060-22.2% | $4,299-8.4% |
| Admin fee / account holder | $7,578 | $6,717+12.8% | $8,388-9.7% | $6,924+9.4% |