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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 | $52,525 | $58,627-10.4% | $76,735-31.5% | $82,448-36.3% |
| Participation rate | 69.7% | 63.2%+6.5pp | 69.5%+0.2pp | 68.1%+1.6pp |
| Annual return | 16.51% | 39.10%-22.6pp | 29.77%-13.3pp | 41.64%-25.1pp |
| Employer contribution / active EE | $298 | $1,729-82.8% | $2,454-87.9% | $2,551-88.3% |
| Participant deferral / active EE | $2,970 | $3,134-5.2% | $4,088-27.3% | $4,139-28.2% |
| Admin fee / account holder | $2,800 | $5,323-47.4% | $7,189-61.1% | $7,234-61.3% |