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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 | $39,571 | $56,894-30.4% | $84,753-53.3% | $62,881-37.1% |
| Participation rate | 47.5% | 68.5%-21.0pp | 76.6%-29.1pp | 69.3%-21.8pp |
| Annual return | 24.97% | 6.30%+18.7pp | 22.78%+2.2pp | 20.14%+4.8pp |
| Employer contribution / active EE | $143 | $2,400-94.0% | $3,574-96.0% | $2,281-93.7% |
| Participant deferral / active EE | $1,820 | $2,709-32.8% | $3,712-51.0% | $3,203-43.2% |
| Admin fee / account holder | $5,673 | $3,581+58.4% | $5,333+6.4% | $4,296+32.1% |