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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 | $39,632 | $65,034-39.1% | $90,970-56.4% | $79,856-50.4% |
| Participation rate | 53.7% | 61.6%-7.9pp | 69.0%-15.3pp | 69.6%-15.9pp |
| Annual return | 13.82% | 30.45%-16.6pp | 134.60%-120.8pp | 31.71%-17.9pp |
| Employer contribution / active EE | $248 | $1,247-80.1% | $2,122-88.3% | $2,471-90.0% |
| Participant deferral / active EE | $1,912 | $2,512-23.9% | $3,373-43.3% | $3,741-48.9% |
| Admin fee / account holder | $597 | $4,536-86.8% | $5,961-90.0% | $5,306-88.8% |