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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 | $57,754 | $57,541+0.4% | $95,759-39.7% | $75,177-23.2% |
| Participation rate | 29.5% | 62.5%-33.0pp | 72.3%-42.7pp | 67.2%-37.7pp |
| Annual return | 32.21% | 34.93%-2.7pp | 28.42%+3.8pp | 160.75%-128.5pp |
| Employer contribution / active EE | $148 | $1,808-91.8% | $2,836-94.8% | $2,671-94.4% |
| Participant deferral / active EE | $1,516 | $3,074-50.7% | $4,244-64.3% | $4,126-63.3% |
| Admin fee / account holder | $591 | $4,099-85.6% | $5,678-89.6% | $5,651-89.5% |