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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 | $70,593 | $81,487-13.4% | $102,412-31.1% | $80,935-12.8% |
| Participation rate | 34.9% | 66.8%-32.0pp | 74.5%-39.6pp | 67.7%-32.8pp |
| Annual return | 15.55% | 25.60%-10.1pp | 24.94%-9.4pp | 35.66%-20.1pp |
| Employer contribution / active EE | $443 | $3,103-85.7% | $3,870-88.6% | $2,757-83.9% |
| Participant deferral / active EE | $2,640 | $3,871-31.8% | $5,060-47.8% | $4,299-38.6% |
| Admin fee / account holder | $4,536 | $6,717-32.5% | $8,388-45.9% | $6,924-34.5% |