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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 | $50,691 | $114,712-55.8% | $173,730-70.8% | $87,485-42.1% |
| Participation rate | 38.4% | 73.0%-34.6pp | 79.6%-41.2pp | 68.9%-30.6pp |
| Annual return | 14.03% | 20.18%-6.1pp | 19.96%-5.9pp | 26.06%-12.0pp |
| Employer contribution / active EE | $491 | $2,904-83.1% | $4,577-89.3% | $2,596-81.1% |
| Participant deferral / active EE | $2,331 | $4,642-49.8% | $6,326-63.2% | $4,274-45.5% |
| Admin fee / account holder | $458 | $10,210-95.5% | $17,523-97.4% | $7,775-94.1% |