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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 | $49,450 | $48,050+2.9% | $96,754-48.9% | $64,340-23.1% |
| Participation rate | 21.8% | 40.6%-18.7pp | 70.3%-48.4pp | 55.2%-33.4pp |
| Annual return | 15.49% | 23.41%-7.9pp | 82.04%-66.5pp | 24.14%-8.7pp |
| Employer contribution / active EE | $110 | $1,204-90.9% | $2,679-95.9% | $1,862-94.1% |
| Participant deferral / active EE | $3,255 | $2,191+48.6% | $4,758-31.6% | $2,980+9.2% |
| Admin fee / account holder | $3,578 | $3,741-4.4% | $8,905-59.8% | $3,703-3.4% |