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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 | $38,357 | $41,016-6.5% | $152,093-74.8% | $64,097-40.2% |
| Participation rate | 44.4% | 51.3%-7.0pp | 77.8%-33.4pp | 55.2%-10.8pp |
| Annual return | 16.03% | 39.60%-23.6pp | 66.36%-50.3pp | 34.64%-18.6pp |
| Employer contribution / active EE | $210 | $1,342-84.4% | $4,175-95.0% | $1,891-88.9% |
| Participant deferral / active EE | $1,452 | $1,927-24.7% | $5,451-73.4% | $3,080-52.9% |
| Admin fee / account holder | $4,374 | $2,305+89.7% | $14,497-69.8% | $3,454+26.6% |