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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 | $69,736 | $72,177-3.4% | $115,038-39.4% | $59,633+16.9% |
| Participation rate | 65.4% | 72.6%-7.1pp | 81.4%-15.9pp | 68.7%-3.2pp |
| Annual return | -0.82% | 12.02%-12.8pp | 26.14%-27.0pp | 2041.45%-2042.3pp |
| Employer contribution / active EE | $150 | $2,841-94.7% | $4,608-96.8% | $2,203-93.2% |
| Participant deferral / active EE | $6,788 | $4,783+41.9% | $6,026+12.6% | $3,192+112.7% |
| Admin fee / account holder | $5,669 | $4,927+15.1% | $8,175-30.7% | $4,297+31.9% |