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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 | $37,455 | $56,894-34.2% | $84,753-55.8% | $62,881-40.4% |
| Participation rate | 68.2% | 68.5%-0.4pp | 76.6%-8.4pp | 69.3%-1.1pp |
| Annual return | 8.68% | 6.30%+2.4pp | 22.78%-14.1pp | 20.14%-11.5pp |
| Employer contribution / active EE | $366 | $2,400-84.8% | $3,574-89.8% | $2,281-84.0% |
| Participant deferral / active EE | $2,253 | $2,709-16.8% | $3,712-39.3% | $3,203-29.7% |
| Admin fee / account holder | $1,043 | $3,581-70.9% | $5,333-80.5% | $4,296-75.7% |