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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 | $33,718 | $75,963-55.6% | $97,995-65.6% | $70,124-51.9% |
| Participation rate | 19.7% | 77.0%-57.3pp | 82.4%-62.7pp | 69.5%-49.9pp |
| Annual return | 21.87% | 19.26%+2.6pp | 23.94%-2.1pp | 73.14%-51.3pp |
| Employer contribution / active EE | $591 | $3,278-82.0% | $4,158-85.8% | $2,342-74.8% |
| Participant deferral / active EE | $1,532 | $4,053-62.2% | $5,097-69.9% | $3,332-54.0% |
| Admin fee / account holder | $3,141 | $5,407-41.9% | $5,943-47.1% | $4,645-32.4% |