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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 | $43,530 | $64,462-32.5% | $81,482-46.6% | $80,911-46.2% |
| Participation rate | 67.8% | 63.9%+3.9pp | 69.5%-1.7pp | 67.6%+0.1pp |
| Annual return | 15.20% | 16.35%-1.2pp | 24.79%-9.6pp | 35.63%-20.4pp |
| Employer contribution / active EE | $309 | $1,979-84.4% | $2,463-87.4% | $2,756-88.8% |
| Participant deferral / active EE | $2,037 | $3,094-34.2% | $3,885-47.6% | $4,297-52.6% |
| Admin fee / account holder | $1,931 | $5,678-66.0% | $5,761-66.5% | $6,935-72.2% |