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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 | $72,435 | $77,962-7.1% | $178,540-59.4% | $80,935-10.5% |
| Participation rate | 66.7% | 65.7%+1.0pp | 77.1%-10.4pp | 67.7%-1.0pp |
| Annual return | 15.71% | 18.10%-2.4pp | 27.15%-11.4pp | 35.66%-20.0pp |
| Employer contribution / active EE | $303 | $2,280-86.7% | $3,953-92.3% | $2,757-89.0% |
| Participant deferral / active EE | $4,008 | $4,404-9.0% | $6,281-36.2% | $4,299-6.8% |
| Admin fee / account holder | $1,993 | $7,156-72.1% | $10,424-80.9% | $6,924-71.2% |