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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 | $36,306 | $86,949-58.2% | $102,460-64.6% | $80,959-55.2% |
| Participation rate | 58.6% | 72.4%-13.8pp | 76.5%-17.9pp | 67.7%-9.0pp |
| Annual return | 24.82% | 18.89%+5.9pp | 29.47%-4.7pp | 35.67%-10.9pp |
| Employer contribution / active EE | $629 | $2,370-73.4% | $3,025-79.2% | $2,757-77.2% |
| Participant deferral / active EE | $3,167 | $4,121-23.1% | $5,056-37.4% | $4,300-26.3% |
| Admin fee / account holder | $2,527 | $8,048-68.6% | $9,460-73.3% | $6,925-63.5% |