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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 | $82,041 | $83,485-1.7% | $125,195-34.5% | $72,976+12.4% |
| Participation rate | 29.5% | 73.3%-43.8pp | 79.8%-50.3pp | 69.5%-40.0pp |
| Annual return | 23.23% | 25.77%-2.5pp | 43.79%-20.6pp | 81.02%-57.8pp |
| Employer contribution / active EE | $440 | $2,346-81.2% | $3,866-88.6% | $2,440-82.0% |
| Participant deferral / active EE | $1,839 | $3,586-48.7% | $4,937-62.8% | $3,608-49.0% |
| Admin fee / account holder | $405 | $5,518-92.7% | $9,704-95.8% | $5,124-92.1% |