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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 | $75,988 | $100,784-24.6% | $191,597-60.3% | $82,637-8.0% |
| Participation rate | 61.7% | 70.5%-8.8pp | 76.9%-15.2pp | 68.1%-6.4pp |
| Annual return | 15.39% | 18.13%-2.7pp | 27.07%-11.7pp | 53.51%-38.1pp |
| Employer contribution / active EE | $689 | $3,102-77.8% | $5,025-86.3% | $2,552-73.0% |
| Participant deferral / active EE | $2,953 | $4,937-40.2% | $6,850-56.9% | $4,126-28.4% |
| Admin fee / account holder | $10,202 | $10,062+1.4% | $22,799-55.3% | $7,339+39.0% |