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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 | $40,363 | $56,894-29.1% | $84,753-52.4% | $62,881-35.8% |
| Participation rate | 52.3% | 68.5%-16.3pp | 76.6%-24.3pp | 69.3%-17.0pp |
| Annual return | 11.91% | 6.30%+5.6pp | 22.78%-10.9pp | 20.14%-8.2pp |
| Employer contribution / active EE | $400 | $2,400-83.3% | $3,574-88.8% | $2,281-82.4% |
| Participant deferral / active EE | $2,128 | $2,709-21.5% | $3,712-42.7% | $3,203-33.6% |
| Admin fee / account holder | $1,263 | $3,581-64.7% | $5,333-76.3% | $4,296-70.6% |