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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 | $57,279 | $49,657+15.3% | $93,063-38.5% | $67,986-15.7% |
| Participation rate | 14.1% | 49.9%-35.9pp | 72.1%-58.1pp | 57.2%-43.1pp |
| Annual return | 20.53% | 26.27%-5.7pp | 34.15%-13.6pp | 31.67%-11.1pp |
| Employer contribution / active EE | $300 | $1,279-76.5% | $2,476-87.9% | $2,019-85.1% |
| Participant deferral / active EE | $857 | $2,484-65.5% | $3,958-78.4% | $3,358-74.5% |
| Admin fee / account holder | $408 | $2,843-85.6% | $6,033-93.2% | $3,203-87.3% |