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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 | $46,127 | $52,580-12.3% | $71,671-35.6% | $70,126-34.2% |
| Participation rate | 38.2% | 60.9%-22.6pp | 68.7%-30.5pp | 69.5%-31.3pp |
| Annual return | 22.36% | 20.25%+2.1pp | 20.65%+1.7pp | 73.15%-50.8pp |
| Employer contribution / active EE | $221 | $1,616-86.3% | $2,460-91.0% | $2,343-90.6% |
| Participant deferral / active EE | $1,267 | $2,386-46.9% | $3,438-63.1% | $3,332-62.0% |
| Admin fee / account holder | $1,523 | $3,653-58.3% | $5,558-72.6% | $4,645-67.2% |