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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 | $57,375 | $90,400-36.5% | $186,193-69.2% | $87,485-34.4% |
| Participation rate | 49.3% | 66.2%-16.9pp | 77.1%-27.8pp | 68.9%-19.6pp |
| Annual return | 13.90% | 22.15%-8.2pp | 78.03%-64.1pp | 26.06%-12.2pp |
| Employer contribution / active EE | $358 | $2,170-83.5% | $3,918-90.9% | $2,596-86.2% |
| Participant deferral / active EE | $2,081 | $4,330-51.9% | $6,513-68.0% | $4,274-51.3% |
| Admin fee / account holder | $2,617 | $8,673-69.8% | $11,058-76.3% | $7,775-66.3% |