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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 | $31,750 | $53,774-41.0% | $134,162-76.3% | $79,852-60.2% |
| Participation rate | 64.4% | 58.8%+5.6pp | 72.2%-7.8pp | 69.6%-5.3pp |
| Annual return | 27.24% | 19.01%+8.2pp | 36.35%-9.1pp | 31.72%-4.5pp |
| Employer contribution / active EE | $0 | $1,322-100.0% | $3,705-100.0% | $2,471-100.0% |
| Participant deferral / active EE | $5,347 | $2,420+121.0% | $3,500+52.8% | $3,740+43.0% |
| Admin fee / account holder | $944 | $3,985-76.3% | $6,685-85.9% | $5,306-82.2% |