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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 | $67,233 | $59,328+13.3% | $118,946-43.5% | $73,493-8.5% |
| Participation rate | 33.3% | 62.3%-29.0pp | 75.4%-42.1pp | 70.7%-37.3pp |
| Annual return | 12.36% | 19.13%-6.8pp | 35.89%-23.5pp | 28.51%-16.2pp |
| Employer contribution / active EE | $465 | $1,803-74.2% | $3,263-85.8% | $2,270-79.5% |
| Participant deferral / active EE | $1,431 | $2,604-45.0% | $4,266-66.4% | $3,740-61.7% |
| Admin fee / account holder | $1,381 | $600+130.0% | $6,581-79.0% | $513+169.1% |