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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 | $43,287 | $56,544-23.4% | $75,501-42.7% | $70,126-38.3% |
| Participation rate | 67.1% | 68.1%-1.0pp | 72.4%-5.2pp | 69.5%-2.4pp |
| Annual return | 24.82% | 23.59%+1.2pp | 27.35%-2.5pp | 73.15%-48.3pp |
| Employer contribution / active EE | $293 | $1,817-83.9% | $2,352-87.6% | $2,343-87.5% |
| Participant deferral / active EE | $2,186 | $2,580-15.2% | $3,142-30.4% | $3,332-34.4% |
| Admin fee / account holder | $754 | $3,827-80.3% | $5,801-87.0% | $4,645-83.8% |