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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 | $66,601 | $67,602-1.5% | $82,312-19.1% | $70,126-5.0% |
| Participation rate | 55.9% | 72.8%-16.8pp | 76.9%-21.0pp | 69.5%-13.6pp |
| Annual return | 13.55% | 21.57%-8.0pp | 25.88%-12.3pp | 73.15%-59.6pp |
| Employer contribution / active EE | $241 | $1,755-86.3% | $2,428-90.1% | $2,343-89.7% |
| Participant deferral / active EE | $2,046 | $2,987-31.5% | $3,706-44.8% | $3,332-38.6% |
| Admin fee / account holder | $5,180 | $4,512+14.8% | $5,608-7.6% | $4,645+11.5% |