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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 | $41,529 | $57,828-28.2% | $117,039-64.5% | $70,126-40.8% |
| Participation rate | 52.3% | 67.1%-14.8pp | 77.2%-24.9pp | 69.5%-17.3pp |
| Annual return | 13.19% | 17.55%-4.4pp | 18.95%-5.8pp | 73.15%-60.0pp |
| Employer contribution / active EE | $486 | $1,816-73.3% | $3,785-87.2% | $2,343-79.3% |
| Participant deferral / active EE | $1,131 | $2,438-53.6% | $3,929-71.2% | $3,332-66.1% |
| Admin fee / account holder | $1,220 | $3,548-65.6% | $5,974-79.6% | $4,645-73.7% |