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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 | $49,183 | $59,839-17.8% | $81,991-40.0% | $79,852-38.4% |
| Participation rate | 14.0% | 61.6%-47.6pp | 69.3%-55.3pp | 69.6%-55.6pp |
| Annual return | 12.63% | 17.56%-4.9pp | 41.31%-28.7pp | 31.72%-19.1pp |
| Employer contribution / active EE | $214 | $1,713-87.5% | $2,498-91.4% | $2,471-91.3% |
| Participant deferral / active EE | $980 | $2,695-63.6% | $3,722-73.7% | $3,740-73.8% |
| Admin fee / account holder | $5,950 | $4,287+38.8% | $5,665+5.0% | $5,306+12.1% |