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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 | $70,898 | $81,331-12.8% | $155,534-54.4% | $80,935-12.4% |
| Participation rate | 13.0% | 66.3%-53.2pp | 78.2%-65.2pp | 67.7%-54.6pp |
| Annual return | 13.35% | 33.37%-20.0pp | 64.92%-51.6pp | 35.66%-22.3pp |
| Employer contribution / active EE | $130 | $3,105-95.8% | $4,675-97.2% | $2,757-95.3% |
| Participant deferral / active EE | $1,790 | $3,454-48.2% | $5,630-68.2% | $4,299-58.4% |
| Admin fee / account holder | $5,133 | $7,999-35.8% | $15,900-67.7% | $6,924-25.9% |