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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 | $70,210 | $76,696-8.5% | $96,515-27.3% | $71,511-1.8% |
| Participation rate | 39.8% | 66.6%-26.8pp | 74.3%-34.5pp | 67.9%-28.1pp |
| Annual return | 21.28% | 48.32%-27.0pp | 35.73%-14.5pp | 28.86%-7.6pp |
| Employer contribution / active EE | $381 | $3,032-87.4% | $3,740-89.8% | $2,589-85.3% |
| Participant deferral / active EE | $2,159 | $3,770-42.7% | $4,880-55.7% | $4,291-49.7% |
| Admin fee / account holder | $3,878 | $2,030+91.0% | $6,735-42.4% | $1,588+144.1% |