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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 | $49,565 | $76,551-35.3% | $123,894-60.0% | $62,881-21.2% |
| Participation rate | 42.4% | 73.0%-30.6pp | 81.4%-39.0pp | 69.3%-26.9pp |
| Annual return | 8.34% | 18.68%-10.3pp | 47.52%-39.2pp | 20.14%-11.8pp |
| Employer contribution / active EE | $344 | $2,882-88.1% | $4,617-92.6% | $2,281-84.9% |
| Participant deferral / active EE | $4,800 | $4,840-0.8% | $5,984-19.8% | $3,203+49.9% |
| Admin fee / account holder | $8,453 | $4,826+75.2% | $8,357+1.1% | $4,296+96.8% |