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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 | $18,536 | $78,015-76.2% | $178,505-89.6% | $80,959-77.1% |
| Participation rate | 48.8% | 65.7%-16.8pp | 77.1%-28.3pp | 67.7%-18.8pp |
| Annual return | 17.29% | 18.10%-0.8pp | 27.16%-9.9pp | 35.67%-18.4pp |
| Employer contribution / active EE | $473 | $2,281-79.3% | $3,955-88.0% | $2,757-82.8% |
| Participant deferral / active EE | $2,040 | $4,406-53.7% | $6,280-67.5% | $4,300-52.6% |
| Admin fee / account holder | $731 | $7,160-89.8% | $10,428-93.0% | $6,925-89.4% |