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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 | $31,124 | $72,027-56.8% | $185,835-83.3% | $79,852-61.0% |
| Participation rate | 55.6% | 65.8%-10.2pp | 78.0%-22.5pp | 69.6%-14.1pp |
| Annual return | 12.50% | 23.13%-10.6pp | 35.96%-23.5pp | 31.72%-19.2pp |
| Employer contribution / active EE | $311 | $1,965-84.2% | $4,087-92.4% | $2,471-87.4% |
| Participant deferral / active EE | $2,447 | $3,780-35.3% | $5,633-56.6% | $3,740-34.6% |
| Admin fee / account holder | $4,770 | $4,513+5.7% | $9,502-49.8% | $5,306-10.1% |