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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 | $64,988 | $47,848+35.8% | $81,473-20.2% | $70,126-7.3% |
| Participation rate | 41.3% | 58.3%-17.0pp | 68.0%-26.7pp | 69.5%-28.2pp |
| Annual return | 13.30% | 27.25%-13.9pp | 38.78%-25.5pp | 73.15%-59.8pp |
| Employer contribution / active EE | $132 | $1,527-91.3% | $2,568-94.8% | $2,343-94.4% |
| Participant deferral / active EE | $1,323 | $2,453-46.1% | $3,537-62.6% | $3,332-60.3% |
| Admin fee / account holder | $5,968 | $3,145+89.8% | $4,561+30.8% | $4,645+28.5% |