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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 | $88,561 | $99,345-10.9% | $84,753+4.5% | $273,972-67.7% |
| Participation rate | 66.7% | 80.7%-14.0pp | 76.6%-9.9pp | 83.0%-16.3pp |
| Annual return | 5.67% | 22.93%-17.3pp | 22.78%-17.1pp | 41.46%-35.8pp |
| Employer contribution / active EE | $249 | $4,214-94.1% | $3,574-93.0% | $4,869-94.9% |
| Participant deferral / active EE | $2,834 | $4,270-33.6% | $3,712-23.6% | $5,287-46.4% |
| Admin fee / account holder | $1,040 | $6,645-84.3% | $5,333-80.5% | $10,133-89.7% |