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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 | $81,457-2.3% | $103,378-23.0% | $80,911-1.6% |
| Participation rate | 17.1% | 66.8%-49.8pp | 74.5%-57.4pp | 67.6%-50.6pp |
| Annual return | 14.98% | 25.58%-10.6pp | 24.91%-9.9pp | 35.63%-20.7pp |
| Employer contribution / active EE | $713 | $3,107-77.1% | $3,870-81.6% | $2,756-74.1% |
| Participant deferral / active EE | $1,846 | $3,871-52.3% | $5,058-63.5% | $4,297-57.0% |
| Admin fee / account holder | $11,095 | $6,717+65.2% | $8,401+32.1% | $6,935+60.0% |