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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 | $34,036 | $69,444-51.0% | $92,985-63.4% | $87,485-61.1% |
| Participation rate | 60.0% | 63.3%-3.3pp | 69.5%-9.5pp | 68.9%-8.9pp |
| Annual return | 15.41% | 23.85%-8.4pp | 27.99%-12.6pp | 26.06%-10.7pp |
| Employer contribution / active EE | $413 | $1,917-78.5% | $2,662-84.5% | $2,596-84.1% |
| Participant deferral / active EE | $2,935 | $3,364-12.7% | $4,377-32.9% | $4,274-31.3% |
| Admin fee / account holder | $7,258 | $6,137+18.3% | $9,463-23.3% | $7,775-6.6% |