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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 | $37,901 | $57,828-34.5% | $117,039-67.6% | $70,126-46.0% |
| Participation rate | 48.3% | 67.1%-18.8pp | 77.2%-28.9pp | 69.5%-21.2pp |
| Annual return | 13.22% | 17.55%-4.3pp | 18.95%-5.7pp | 73.15%-59.9pp |
| Employer contribution / active EE | $176 | $1,816-90.3% | $3,785-95.4% | $2,343-92.5% |
| Participant deferral / active EE | $1,164 | $2,438-52.2% | $3,929-70.4% | $3,332-65.1% |
| Admin fee / account holder | $1,897 | $3,548-46.5% | $5,974-68.2% | $4,645-59.2% |