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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 | $27,567 | $54,541-49.5% | $78,778-65.0% | $70,126-60.7% |
| Participation rate | 52.4% | 60.8%-8.4pp | 69.2%-16.8pp | 69.5%-17.2pp |
| Annual return | 15.20% | 21.07%-5.9pp | 35.62%-20.4pp | 73.15%-57.9pp |
| Employer contribution / active EE | $154 | $1,089-85.9% | $1,986-92.3% | $2,343-93.4% |
| Participant deferral / active EE | $2,500 | $2,210+13.1% | $2,958-15.5% | $3,332-25.0% |
| Admin fee / account holder | $3,466 | $3,709-6.6% | $5,134-32.5% | $4,645-25.4% |