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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 | $52,976 | $56,894-6.9% | $84,753-37.5% | $62,881-15.8% |
| Participation rate | 61.9% | 68.5%-6.6pp | 76.6%-14.7pp | 69.3%-7.4pp |
| Annual return | 5.90% | 6.30%-0.4pp | 22.78%-16.9pp | 20.14%-14.2pp |
| Employer contribution / active EE | $281 | $2,400-88.3% | $3,574-92.1% | $2,281-87.7% |
| Participant deferral / active EE | $1,759 | $2,709-35.1% | $3,712-52.6% | $3,203-45.1% |
| Admin fee / account holder | $2,164 | $3,581-39.6% | $5,333-59.4% | $4,296-49.6% |