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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 | $66,977 | $71,197-5.9% | $93,669-28.5% | $80,925-17.2% |
| Participation rate | 39.5% | 60.4%-20.9pp | 68.7%-29.3pp | 67.7%-28.2pp |
| Annual return | 10.68% | 11.27%-0.6pp | 133.59%-122.9pp | 35.65%-25.0pp |
| Employer contribution / active EE | $171 | $1,565-89.0% | $2,424-92.9% | $2,756-93.8% |
| Participant deferral / active EE | $4,536 | $4,036+12.4% | $4,416+2.7% | $4,299+5.5% |
| Admin fee / account holder | $5,834 | $6,959-16.2% | $8,291-29.6% | $6,940-15.9% |