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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 | $22,453 | $58,851-61.8% | $115,170-80.5% | $72,975-69.2% |
| Participation rate | 55.2% | 65.5%-10.4pp | 75.9%-20.7pp | 69.5%-14.3pp |
| Annual return | 19.26% | 23.16%-3.9pp | 35.60%-16.3pp | 81.01%-61.7pp |
| Employer contribution / active EE | $329 | $1,798-81.7% | $3,179-89.6% | $2,440-86.5% |
| Participant deferral / active EE | $1,378 | $2,643-47.9% | $4,169-67.0% | $3,608-61.8% |
| Admin fee / account holder | $5,737 | $6,370-9.9% | $7,089-19.1% | $5,124+12.0% |