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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 | $40,445 | $67,602-40.2% | $82,312-50.9% | $70,126-42.3% |
| Participation rate | 63.2% | 72.8%-9.6pp | 76.9%-13.7pp | 69.5%-6.4pp |
| Annual return | 32.04% | 21.57%+10.5pp | 25.88%+6.2pp | 73.15%-41.1pp |
| Employer contribution / active EE | $189 | $1,755-89.2% | $2,428-92.2% | $2,343-91.9% |
| Participant deferral / active EE | $8,741 | $2,987+192.6% | $3,706+135.8% | $3,332+162.3% |
| Admin fee / account holder | $351 | $4,512-92.2% | $5,608-93.7% | $4,645-92.5% |