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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 | $37,083 | $45,087-17.8% | $69,483-46.6% | $72,976-49.2% |
| Participation rate | 14.7% | 68.5%-53.8pp | 74.6%-59.9pp | 69.5%-54.8pp |
| Annual return | 23.13% | 22.67%+0.5pp | 28.99%-5.9pp | 81.02%-57.9pp |
| Employer contribution / active EE | $231 | $2,055-88.8% | $2,780-91.7% | $2,440-90.5% |
| Participant deferral / active EE | $864 | $2,603-66.8% | $3,537-75.6% | $3,608-76.1% |
| Admin fee / account holder | $1,398 | $3,057-54.3% | $3,841-63.6% | $5,124-72.7% |