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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 | $41,256 | $109,782-62.4% | $260,467-84.2% | $94,015-56.1% |
| Participation rate | 64.7% | 67.2%-2.5pp | 80.5%-15.7pp | 70.8%-6.1pp |
| Annual return | 12.30% | 18.60%-6.3pp | 100.60%-88.3pp | 17.84%-5.5pp |
| Employer contribution / active EE | $324 | $2,147-84.9% | $4,239-92.4% | $2,790-88.4% |
| Participant deferral / active EE | $4,517 | $4,044+11.7% | $6,319-28.5% | $4,249+6.3% |
| Admin fee / account holder | $6,032 | $11,958-49.6% | $15,461-61.0% | $8,951-32.6% |