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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 | $56,826 | $56,438+0.7% | $76,902-26.1% | $71,529-20.6% |
| Participation rate | 36.8% | 64.3%-27.5pp | 69.6%-32.8pp | 67.9%-31.1pp |
| Annual return | 19.68% | 19.05%+0.6pp | 37.91%-18.2pp | 28.97%-9.3pp |
| Employer contribution / active EE | $161 | $1,864-91.4% | $2,534-93.7% | $2,590-93.8% |
| Participant deferral / active EE | $1,352 | $3,136-56.9% | $3,833-64.7% | $4,291-68.5% |
| Admin fee / account holder | $3,683 | $1,430+157.5% | $5,479-32.8% | $1,588+131.9% |