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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 | $51,127 | $82,882-38.3% | $127,803-60.0% | $72,983-29.9% |
| Participation rate | 44.1% | 71.5%-27.4pp | 79.0%-34.9pp | 69.5%-25.4pp |
| Annual return | 17.29% | 32.20%-14.9pp | 26.14%-8.8pp | 81.01%-63.7pp |
| Employer contribution / active EE | $728 | $3,346-78.2% | $4,576-84.1% | $2,440-70.2% |
| Participant deferral / active EE | $2,158 | $4,791-55.0% | $6,023-64.2% | $3,608-40.2% |
| Admin fee / account holder | $327 | $6,487-95.0% | $9,399-96.5% | $5,124-93.6% |