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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 | $47,843 | $81,331-41.2% | $155,534-69.2% | $80,935-40.9% |
| Participation rate | 68.6% | 66.3%+2.3pp | 78.2%-9.6pp | 67.7%+0.9pp |
| Annual return | 18.49% | 33.37%-14.9pp | 64.92%-46.4pp | 35.66%-17.2pp |
| Employer contribution / active EE | $329 | $3,105-89.4% | $4,675-93.0% | $2,757-88.1% |
| Participant deferral / active EE | $2,983 | $3,454-13.6% | $5,630-47.0% | $4,299-30.6% |
| Admin fee / account holder | $2,098 | $7,999-73.8% | $15,900-86.8% | $6,924-69.7% |