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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 | $29,315 | $57,828-49.3% | $117,039-75.0% | $70,126-58.2% |
| Participation rate | 69.0% | 67.1%+1.9pp | 77.2%-8.2pp | 69.5%-0.5pp |
| Annual return | 19.37% | 17.55%+1.8pp | 18.95%+0.4pp | 73.15%-53.8pp |
| Employer contribution / active EE | $201 | $1,816-88.9% | $3,785-94.7% | $2,343-91.4% |
| Participant deferral / active EE | $2,486 | $2,438+2.0% | $3,929-36.7% | $3,332-25.4% |
| Admin fee / account holder | $1,493 | $3,548-57.9% | $5,974-75.0% | $4,645-67.9% |