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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 | $53,370 | $47,848+11.5% | $81,473-34.5% | $70,124-23.9% |
| Participation rate | 59.3% | 58.3%+1.0pp | 68.0%-8.7pp | 69.5%-10.3pp |
| Annual return | 19.03% | 27.25%-8.2pp | 38.78%-19.8pp | 73.14%-54.1pp |
| Employer contribution / active EE | $199 | $1,527-87.0% | $2,568-92.3% | $2,342-91.5% |
| Participant deferral / active EE | $1,307 | $2,453-46.7% | $3,537-63.0% | $3,332-60.8% |
| Admin fee / account holder | $4,571 | $3,145+45.4% | $4,561+0.2% | $4,645-1.6% |