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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 | $72,738 | $71,208+2.1% | $93,681-22.4% | $80,911-10.1% |
| Participation rate | 41.9% | 60.4%-18.5pp | 68.7%-26.8pp | 67.6%-25.8pp |
| Annual return | 13.93% | 11.27%+2.7pp | 133.47%-119.5pp | 35.63%-21.7pp |
| Employer contribution / active EE | $272 | $1,564-82.6% | $2,422-88.8% | $2,756-90.1% |
| Participant deferral / active EE | $3,273 | $4,035-18.9% | $4,415-25.9% | $4,297-23.8% |
| Admin fee / account holder | $6,253 | $6,951-10.0% | $8,290-24.6% | $6,935-9.8% |