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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 | $79,595 | $81,504-2.3% | $102,437-22.3% | $80,959-1.7% |
| Participation rate | 17.1% | 66.9%-49.8pp | 74.5%-57.4pp | 67.7%-50.6pp |
| Annual return | 14.98% | 25.60%-10.6pp | 24.95%-10.0pp | 35.67%-20.7pp |
| Employer contribution / active EE | $713 | $3,104-77.0% | $3,871-81.6% | $2,757-74.2% |
| Participant deferral / active EE | $1,846 | $3,871-52.3% | $5,060-63.5% | $4,300-57.1% |
| Admin fee / account holder | $11,095 | $6,719+65.1% | $8,388+32.3% | $6,925+60.2% |