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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 | $55,821 | $52,682+6.0% | $78,004-28.4% | $64,097-12.9% |
| Participation rate | 35.4% | 47.7%-12.3pp | 69.4%-34.0pp | 55.2%-19.8pp |
| Annual return | 16.84% | 22.45%-5.6pp | 31.07%-14.2pp | 34.64%-17.8pp |
| Employer contribution / active EE | $206 | $1,323-84.4% | $2,469-91.6% | $1,891-89.1% |
| Participant deferral / active EE | $1,310 | $2,346-44.2% | $4,092-68.0% | $3,080-57.5% |
| Admin fee / account holder | $2,003 | $5,420-63.0% | $7,578-73.6% | $3,454-42.0% |