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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 | $32,118 | $76,834-58.2% | $108,359-70.4% | $87,485-63.3% |
| Participation rate | 51.9% | 61.7%-9.8pp | 70.1%-18.2pp | 68.9%-17.0pp |
| Annual return | 14.36% | 19.09%-4.7pp | 36.89%-22.5pp | 26.06%-11.7pp |
| Employer contribution / active EE | $275 | $1,556-82.3% | $2,399-88.5% | $2,596-89.4% |
| Participant deferral / active EE | $3,411 | $3,100+10.0% | $4,137-17.5% | $4,274-20.2% |
| Admin fee / account holder | $3,679 | $6,537-43.7% | $9,741-62.2% | $7,775-52.7% |