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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 | $41,739 | $93,589-55.4% | $135,942-69.3% | $75,181-44.5% |
| Participation rate | 63.6% | 75.2%-11.6pp | 81.9%-18.3pp | 67.2%-3.6pp |
| Annual return | 20.37% | 30.90%-10.5pp | 68.28%-47.9pp | 160.69%-140.3pp |
| Employer contribution / active EE | $461 | $3,537-87.0% | $4,858-90.5% | $2,671-82.8% |
| Participant deferral / active EE | $5,265 | $6,405-17.8% | $7,759-32.1% | $4,126+27.6% |
| Admin fee / account holder | $10,042 | $6,977+43.9% | $10,764-6.7% | $5,650+77.7% |