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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 | $50,254 | $72,486-30.7% | $87,103-42.3% | $72,976-31.1% |
| Participation rate | 59.5% | 72.8%-13.4pp | 76.9%-17.4pp | 69.5%-10.0pp |
| Annual return | 35.17% | 24.46%+10.7pp | 28.19%+7.0pp | 81.02%-45.8pp |
| Employer contribution / active EE | $327 | $1,894-82.7% | $2,521-87.0% | $2,440-86.6% |
| Participant deferral / active EE | $1,919 | $3,270-41.3% | $4,049-52.6% | $3,608-46.8% |
| Admin fee / account holder | $717 | $5,055-85.8% | $7,491-90.4% | $5,124-86.0% |