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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 | $32,646 | $81,487-59.9% | $102,412-68.1% | $80,935-59.7% |
| Participation rate | 68.1% | 66.8%+1.2pp | 74.5%-6.4pp | 67.7%+0.4pp |
| Annual return | 12.89% | 25.60%-12.7pp | 24.94%-12.0pp | 35.66%-22.8pp |
| Employer contribution / active EE | $104 | $3,103-96.6% | $3,870-97.3% | $2,757-96.2% |
| Participant deferral / active EE | $4,776 | $3,871+23.4% | $5,060-5.6% | $4,299+11.1% |
| Admin fee / account holder | $308 | $6,717-95.4% | $8,388-96.3% | $6,924-95.6% |