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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 | $67,576 | $83,485-19.1% | $125,195-46.0% | $72,976-7.4% |
| Participation rate | 58.7% | 73.3%-14.6pp | 79.8%-21.1pp | 69.5%-10.8pp |
| Annual return | 26.52% | 25.77%+0.8pp | 43.79%-17.3pp | 81.02%-54.5pp |
| Employer contribution / active EE | $457 | $2,346-80.5% | $3,866-88.2% | $2,440-81.3% |
| Participant deferral / active EE | $1,829 | $3,586-49.0% | $4,937-63.0% | $3,608-49.3% |
| Admin fee / account holder | $324 | $5,518-94.1% | $9,704-96.7% | $5,124-93.7% |