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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 | $33,098 | $90,400-63.4% | $186,193-82.2% | $87,485-62.2% |
| Participation rate | 52.2% | 66.2%-14.0pp | 77.1%-24.9pp | 68.9%-16.7pp |
| Annual return | 24.41% | 22.15%+2.3pp | 78.03%-53.6pp | 26.06%-1.7pp |
| Employer contribution / active EE | $325 | $2,170-85.0% | $3,918-91.7% | $2,596-87.5% |
| Participant deferral / active EE | $2,787 | $4,330-35.6% | $6,513-57.2% | $4,274-34.8% |
| Admin fee / account holder | $4,473 | $8,673-48.4% | $11,058-59.5% | $7,775-42.5% |