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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 | $47,728 | $69,444-31.3% | $92,985-48.7% | $87,485-45.4% |
| Participation rate | 11.8% | 63.3%-51.5pp | 69.5%-57.7pp | 68.9%-57.2pp |
| Annual return | 25.09% | 23.85%+1.2pp | 27.99%-2.9pp | 26.06%-1.0pp |
| Employer contribution / active EE | $232 | $1,917-87.9% | $2,662-91.3% | $2,596-91.1% |
| Participant deferral / active EE | $1,294 | $3,364-61.5% | $4,377-70.4% | $4,274-69.7% |
| Admin fee / account holder | $3,207 | $6,137-47.7% | $9,463-66.1% | $7,775-58.7% |