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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 | $37,419 | $65,395-42.8% | $182,558-79.5% | $72,976-48.7% |
| Participation rate | 67.2% | 65.4%+1.7pp | 78.0%-10.8pp | 69.5%-2.3pp |
| Annual return | 19.83% | 27.68%-7.9pp | 148.59%-128.8pp | 81.02%-61.2pp |
| Employer contribution / active EE | $172 | $1,911-91.0% | $4,076-95.8% | $2,440-92.9% |
| Participant deferral / active EE | $2,679 | $3,563-24.8% | $5,526-51.5% | $3,608-25.7% |
| Admin fee / account holder | $393 | $4,245-90.8% | $8,594-95.4% | $5,124-92.3% |