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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 | $54,253 | $47,848+13.4% | $81,473-33.4% | $70,126-22.6% |
| Participation rate | 29.8% | 58.3%-28.5pp | 68.0%-38.2pp | 69.5%-39.8pp |
| Annual return | 17.37% | 27.25%-9.9pp | 38.78%-21.4pp | 73.15%-55.8pp |
| Employer contribution / active EE | $156 | $1,527-89.8% | $2,568-93.9% | $2,343-93.3% |
| Participant deferral / active EE | $1,167 | $2,453-52.4% | $3,537-67.0% | $3,332-65.0% |
| Admin fee / account holder | $580 | $3,145-81.6% | $4,561-87.3% | $4,645-87.5% |