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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 | $44,882 | $56,894-21.1% | $84,753-47.0% | $62,881-28.6% |
| Participation rate | 19.6% | 68.5%-48.9pp | 76.6%-57.0pp | 69.3%-49.7pp |
| Annual return | 7.17% | 6.30%+0.9pp | 22.78%-15.6pp | 20.14%-13.0pp |
| Employer contribution / active EE | $375 | $2,400-84.4% | $3,574-89.5% | $2,281-83.6% |
| Participant deferral / active EE | $1,212 | $2,709-55.2% | $3,712-67.3% | $3,203-62.1% |
| Admin fee / account holder | $1,246 | $3,581-65.2% | $5,333-76.6% | $4,296-71.0% |