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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 | $61,106 | $72,486-15.7% | $87,103-29.8% | $72,976-16.3% |
| Participation rate | 14.6% | 72.8%-58.2pp | 76.9%-62.3pp | 69.5%-54.9pp |
| Annual return | 24.84% | 24.46%+0.4pp | 28.19%-3.4pp | 81.02%-56.2pp |
| Employer contribution / active EE | $305 | $1,894-83.9% | $2,521-87.9% | $2,440-87.5% |
| Participant deferral / active EE | $1,642 | $3,270-49.8% | $4,049-59.5% | $3,608-54.5% |
| Admin fee / account holder | $632 | $5,055-87.5% | $7,491-91.6% | $5,124-87.7% |