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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 | $51,518 | $53,774-4.2% | $134,162-61.6% | $79,852-35.5% |
| Participation rate | 60.3% | 58.8%+1.6pp | 72.2%-11.8pp | 69.6%-9.3pp |
| Annual return | 13.81% | 19.01%-5.2pp | 36.35%-22.5pp | 31.72%-17.9pp |
| Employer contribution / active EE | $111 | $1,322-91.6% | $3,705-97.0% | $2,471-95.5% |
| Participant deferral / active EE | $1,807 | $2,420-25.3% | $3,500-48.4% | $3,740-51.7% |
| Admin fee / account holder | $4,052 | $3,985+1.7% | $6,685-39.4% | $5,306-23.6% |