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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 | $29,734 | $45,087-34.1% | $69,483-57.2% | $72,976-59.3% |
| Participation rate | 46.2% | 68.5%-22.2pp | 74.6%-28.4pp | 69.5%-23.3pp |
| Annual return | 17.76% | 22.67%-4.9pp | 28.99%-11.2pp | 81.02%-63.3pp |
| Employer contribution / active EE | $341 | $2,055-83.4% | $2,780-87.7% | $2,440-86.0% |
| Participant deferral / active EE | $1,125 | $2,603-56.8% | $3,537-68.2% | $3,608-68.8% |
| Admin fee / account holder | $5,117 | $3,057+67.4% | $3,841+33.2% | $5,124-0.1% |