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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 | $34,150 | $61,390-44.4% | $112,228-69.6% | $75,177-54.6% |
| Participation rate | 44.1% | 61.6%-17.5pp | 72.4%-28.3pp | 67.2%-23.1pp |
| Annual return | 16.77% | 28.47%-11.7pp | 30.23%-13.5pp | 160.75%-144.0pp |
| Employer contribution / active EE | $456 | $2,015-77.4% | $3,432-86.7% | $2,671-82.9% |
| Participant deferral / active EE | $2,568 | $3,108-17.4% | $4,800-46.5% | $4,126-37.8% |
| Admin fee / account holder | $7,310 | $4,862+50.4% | $7,752-5.7% | $5,651+29.3% |