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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 | $24,128 | $106,749-77.4% | $145,433-83.4% | $82,448-70.7% |
| Participation rate | 68.4% | 75.6%-7.2pp | 82.1%-13.7pp | 68.1%+0.4pp |
| Annual return | 15.36% | 27.59%-12.2pp | 66.58%-51.2pp | 41.64%-26.3pp |
| Employer contribution / active EE | $457 | $3,444-86.7% | $4,554-90.0% | $2,551-82.1% |
| Participant deferral / active EE | $3,148 | $6,519-51.7% | $7,897-60.1% | $4,139-24.0% |
| Admin fee / account holder | $1,012 | $8,390-87.9% | $13,129-92.3% | $7,234-86.0% |