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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 | $11,889 | $58,057-79.5% | $97,032-87.7% | $86,983-86.3% |
| Participation rate | 68.0% | 60.4%+7.6pp | 71.6%-3.6pp | 69.5%-1.5pp |
| Annual return | 13.63% | 22.26%-8.6pp | 35.38%-21.7pp | 25.83%-12.2pp |
| Employer contribution / active EE | $0 | $1,663-100.0% | $2,629-100.0% | $2,584-100.0% |
| Participant deferral / active EE | $1,156 | $3,244-64.4% | $4,672-75.3% | $4,194-72.4% |
| Admin fee / account holder | $1,468 | $4,839-69.7% | $9,418-84.4% | $7,856-81.3% |