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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 | $48,841 | $64,462-24.2% | $81,482-40.1% | $80,911-39.6% |
| Participation rate | 66.0% | 63.9%+2.1pp | 69.5%-3.5pp | 67.6%-1.6pp |
| Annual return | 14.50% | 16.35%-1.8pp | 24.79%-10.3pp | 35.63%-21.1pp |
| Employer contribution / active EE | $57 | $1,979-97.1% | $2,463-97.7% | $2,756-97.9% |
| Participant deferral / active EE | $1,548 | $3,094-50.0% | $3,885-60.2% | $4,297-64.0% |
| Admin fee / account holder | $4,476 | $5,678-21.2% | $5,761-22.3% | $6,935-35.5% |