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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 | $41,184 | $51,649-20.3% | $124,206-66.8% | $64,097-35.7% |
| Participation rate | 54.5% | 45.2%+9.3pp | 69.6%-15.1pp | 55.2%-0.7pp |
| Annual return | 14.30% | 19.98%-5.7pp | 515.27%-501.0pp | 34.64%-20.3pp |
| Employer contribution / active EE | $224 | $1,057-78.8% | $3,540-93.7% | $1,891-88.2% |
| Participant deferral / active EE | $1,246 | $2,165-42.4% | $3,968-68.6% | $3,080-59.5% |
| Admin fee / account holder | $1,650 | $4,237-61.1% | $5,929-72.2% | $3,454-52.2% |