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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 | $31,168 | $56,894-45.2% | $84,753-63.2% | $62,881-50.4% |
| Participation rate | 61.2% | 68.5%-7.3pp | 76.6%-15.4pp | 69.3%-8.1pp |
| Annual return | 7.30% | 6.30%+1.0pp | 22.78%-15.5pp | 20.14%-12.8pp |
| Employer contribution / active EE | $65 | $2,400-97.3% | $3,574-98.2% | $2,281-97.1% |
| Participant deferral / active EE | $1,701 | $2,709-37.2% | $3,712-54.2% | $3,203-46.9% |
| Admin fee / account holder | $671 | $3,581-81.3% | $5,333-87.4% | $4,296-84.4% |