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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 | $34,121 | $78,423-56.5% | $95,964-64.4% | $79,856-57.3% |
| Participation rate | 67.3% | 73.5%-6.2pp | 77.1%-9.8pp | 69.6%-2.3pp |
| Annual return | 24.45% | 19.37%+5.1pp | 91.64%-67.2pp | 31.71%-7.3pp |
| Employer contribution / active EE | $396 | $1,945-79.6% | $2,541-84.4% | $2,471-84.0% |
| Participant deferral / active EE | $2,057 | $3,440-40.2% | $4,167-50.6% | $3,741-45.0% |
| Admin fee / account holder | $953 | $5,622-83.1% | $6,797-86.0% | $5,306-82.0% |