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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 | $45,784 | $87,106-47.4% | $105,607-56.6% | $80,935-43.4% |
| Participation rate | 58.4% | 70.4%-12.0pp | 75.3%-16.8pp | 67.7%-9.2pp |
| Annual return | 18.63% | 17.01%+1.6pp | 116.11%-97.5pp | 35.66%-17.0pp |
| Employer contribution / active EE | $539 | $2,396-77.5% | $3,167-83.0% | $2,757-80.5% |
| Participant deferral / active EE | $2,812 | $3,986-29.5% | $5,011-43.9% | $4,299-34.6% |
| Admin fee / account holder | $4,014 | $8,447-52.5% | $10,958-63.4% | $6,924-42.0% |