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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 | $19,635 | $63,809-69.2% | $81,353-75.9% | $80,935-75.7% |
| Participation rate | 62.1% | 63.9%-1.8pp | 69.5%-7.5pp | 67.7%-5.6pp |
| Annual return | 19.27% | 16.37%+2.9pp | 24.82%-5.5pp | 35.66%-16.4pp |
| Employer contribution / active EE | $80 | $1,981-95.9% | $2,464-96.7% | $2,757-97.1% |
| Participant deferral / active EE | $3,406 | $3,093+10.1% | $3,885-12.3% | $4,299-20.8% |
| Admin fee / account holder | $3,933 | $5,686-30.8% | $5,766-31.8% | $6,924-43.2% |