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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 | $36,178 | $49,025-26.2% | $87,502-58.7% | $62,881-42.5% |
| Participation rate | 68.0% | 64.9%+3.2pp | 73.8%-5.8pp | 69.3%-1.3pp |
| Annual return | 10.98% | 10.02%+1.0pp | 12.21%-1.2pp | 20.14%-9.2pp |
| Employer contribution / active EE | $152 | $1,372-88.9% | $2,550-94.0% | $2,281-93.3% |
| Participant deferral / active EE | $1,231 | $2,289-46.2% | $3,149-60.9% | $3,203-61.6% |
| Admin fee / account holder | $476 | $4,065-88.3% | $4,221-88.7% | $4,296-88.9% |