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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 | $49,200 | $115,931-57.6% | $185,441-73.5% | $86,983-43.4% |
| Participation rate | 50.0% | 73.6%-23.6pp | 80.3%-30.3pp | 69.5%-19.5pp |
| Annual return | 13.12% | 21.47%-8.3pp | 20.16%-7.0pp | 25.83%-12.7pp |
| Employer contribution / active EE | $360 | $2,937-87.8% | $4,672-92.3% | $2,584-86.1% |
| Participant deferral / active EE | $2,150 | $4,551-52.7% | $6,152-65.0% | $4,194-48.7% |
| Admin fee / account holder | $11,799 | $10,687+10.4% | $17,890-34.0% | $7,856+50.2% |