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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 | $32,065 | $73,988-56.7% | $96,538-66.8% | $75,177-57.3% |
| Participation rate | 64.8% | 66.4%-1.6pp | 74.3%-9.5pp | 67.2%-2.4pp |
| Annual return | 27.23% | 26.73%+0.5pp | 35.74%-8.5pp | 160.75%-133.5pp |
| Employer contribution / active EE | $573 | $2,930-80.4% | $3,740-84.7% | $2,671-78.5% |
| Participant deferral / active EE | $2,517 | $3,660-31.2% | $4,880-48.4% | $4,126-39.0% |
| Admin fee / account holder | $1,913 | $5,220-63.4% | $6,737-71.6% | $5,651-66.2% |