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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 | $38,095 | $81,331-53.2% | $155,534-75.5% | $80,935-52.9% |
| Participation rate | 67.1% | 66.3%+0.8pp | 78.2%-11.1pp | 67.7%-0.6pp |
| Annual return | 14.97% | 33.37%-18.4pp | 64.92%-50.0pp | 35.66%-20.7pp |
| Employer contribution / active EE | $196 | $3,105-93.7% | $4,675-95.8% | $2,757-92.9% |
| Participant deferral / active EE | $3,241 | $3,454-6.2% | $5,630-42.4% | $4,299-24.6% |
| Admin fee / account holder | $2,490 | $7,999-68.9% | $15,900-84.3% | $6,924-64.0% |