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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 | $59,037 | $81,947-28.0% | $105,387-44.0% | $72,976-19.1% |
| Participation rate | 41.4% | 76.5%-35.2pp | 82.6%-41.2pp | 69.5%-28.1pp |
| Annual return | 29.14% | 42.90%-13.8pp | 26.82%+2.3pp | 81.02%-51.9pp |
| Employer contribution / active EE | $504 | $3,468-85.5% | $4,213-88.0% | $2,440-79.4% |
| Participant deferral / active EE | $1,675 | $4,494-62.7% | $5,502-69.5% | $3,608-53.6% |
| Admin fee / account holder | $366 | $6,258-94.1% | $6,559-94.4% | $5,124-92.9% |