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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 | $67,772 | $75,541-10.3% | $152,093-55.4% | $82,637-18.0% |
| Participation rate | 10.4% | 66.5%-56.1pp | 77.8%-67.3pp | 68.1%-57.6pp |
| Annual return | 13.24% | 32.56%-19.3pp | 66.36%-53.1pp | 53.51%-40.3pp |
| Employer contribution / active EE | $306 | $2,622-88.3% | $4,175-92.7% | $2,552-88.0% |
| Participant deferral / active EE | $1,224 | $3,206-61.8% | $5,451-77.6% | $4,126-70.3% |
| Admin fee / account holder | $313 | $6,405-95.1% | $14,497-97.8% | $7,339-95.7% |