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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 | $53,886 | $78,423-31.3% | $95,964-43.8% | $79,856-32.5% |
| Participation rate | 23.3% | 73.5%-50.2pp | 77.1%-53.8pp | 69.6%-46.4pp |
| Annual return | 11.06% | 19.37%-8.3pp | 91.64%-80.6pp | 31.71%-20.6pp |
| Employer contribution / active EE | $426 | $1,945-78.1% | $2,541-83.2% | $2,471-82.8% |
| Participant deferral / active EE | $1,951 | $3,440-43.3% | $4,167-53.2% | $3,741-47.8% |
| Admin fee / account holder | $1,550 | $5,622-72.4% | $6,797-77.2% | $5,306-70.8% |