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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 | $90,662 | $123,793-26.8% | $177,840-49.0% | $79,852+13.5% |
| Participation rate | 57.0% | 84.7%-27.7pp | 87.7%-30.8pp | 69.6%-12.7pp |
| Annual return | 17.14% | 22.82%-5.7pp | 48.32%-31.2pp | 31.72%-14.6pp |
| Employer contribution / active EE | $204 | $4,095-95.0% | $5,919-96.5% | $2,471-91.7% |
| Participant deferral / active EE | $5,254 | $5,956-11.8% | $7,714-31.9% | $3,740+40.5% |
| Admin fee / account holder | $18,581 | $7,243+156.5% | $12,431+49.5% | $5,306+250.2% |