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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 | $30,596 | $83,485-63.4% | $125,180-75.6% | $72,983-58.1% |
| Participation rate | 52.4% | 73.3%-20.9pp | 79.8%-27.4pp | 69.5%-17.1pp |
| Annual return | 19.74% | 25.78%-6.0pp | 43.79%-24.1pp | 81.01%-61.3pp |
| Employer contribution / active EE | $483 | $2,346-79.4% | $3,866-87.5% | $2,440-80.2% |
| Participant deferral / active EE | $2,227 | $3,586-37.9% | $4,937-54.9% | $3,608-38.3% |
| Admin fee / account holder | $741 | $5,518-86.6% | $9,703-92.4% | $5,124-85.5% |