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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 | $58,374 | $37,436+55.9% | $77,513-24.7% | $79,858-26.9% |
| Participation rate | 50.0% | 41.5%+8.5pp | 54.2%-4.2pp | 69.6%-19.6pp |
| Annual return | 21.51% | 39.75%-18.2pp | 54.81%-33.3pp | 31.72%-10.2pp |
| Employer contribution / active EE | $82 | $637-87.2% | $987-91.7% | $2,471-96.7% |
| Participant deferral / active EE | $894 | $1,261-29.1% | $1,861-52.0% | $3,740-76.1% |
| Admin fee / account holder | $416 | $2,505-83.4% | $2,859-85.5% | $5,306-92.2% |