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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 | $39,626 | $80,705-50.9% | $115,768-65.8% | $67,986-41.7% |
| Participation rate | 31.7% | 63.0%-31.3pp | 74.4%-42.7pp | 57.2%-25.5pp |
| Annual return | 30.84% | 18.49%+12.4pp | 100.46%-69.6pp | 31.67%-0.8pp |
| Employer contribution / active EE | $355 | $2,046-82.7% | $2,940-87.9% | $2,019-82.4% |
| Participant deferral / active EE | $1,560 | $3,559-56.2% | $4,917-68.3% | $3,358-53.6% |
| Admin fee / account holder | $3,709 | $4,135-10.3% | $12,439-70.2% | $3,203+15.8% |