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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 | $73,816 | $72,269+2.1% | $101,271-27.1% | $79,852-7.6% |
| Participation rate | 38.5% | 68.5%-30.0pp | 75.8%-37.3pp | 69.6%-31.2pp |
| Annual return | 15.40% | 22.29%-6.9pp | 46.48%-31.1pp | 31.72%-16.3pp |
| Employer contribution / active EE | $270 | $2,692-90.0% | $3,660-92.6% | $2,471-89.1% |
| Participant deferral / active EE | $1,550 | $3,282-52.8% | $4,371-64.5% | $3,740-58.6% |
| Admin fee / account holder | $464 | $4,401-89.5% | $5,948-92.2% | $5,306-91.3% |