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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 | $50,745 | $52,580-3.5% | $71,671-29.2% | $70,126-27.6% |
| Participation rate | 47.0% | 60.9%-13.9pp | 68.7%-21.8pp | 69.5%-22.6pp |
| Annual return | 17.93% | 20.25%-2.3pp | 20.65%-2.7pp | 73.15%-55.2pp |
| Employer contribution / active EE | $251 | $1,616-84.5% | $2,460-89.8% | $2,343-89.3% |
| Participant deferral / active EE | $1,429 | $2,386-40.1% | $3,438-58.4% | $3,332-57.1% |
| Admin fee / account holder | $1,047 | $3,653-71.3% | $5,558-81.2% | $4,645-77.5% |