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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 | $35,988 | $74,535-51.7% | $100,712-64.3% | $82,637-56.5% |
| Participation rate | 68.3% | 61.2%+7.2pp | 69.3%-0.9pp | 68.1%+0.3pp |
| Annual return | 14.72% | 18.92%-4.2pp | 33.27%-18.6pp | 53.51%-38.8pp |
| Employer contribution / active EE | $257 | $1,503-82.9% | $2,313-88.9% | $2,552-89.9% |
| Participant deferral / active EE | $2,628 | $3,074-14.5% | $4,085-35.7% | $4,126-36.3% |
| Admin fee / account holder | $3,886 | $6,576-40.9% | $9,256-58.0% | $7,339-47.1% |