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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 | $39,129 | $91,760-57.4% | $156,181-74.9% | $67,986-42.4% |
| Participation rate | 67.7% | 65.0%+2.7pp | 78.8%-11.1pp | 57.2%+10.5pp |
| Annual return | 16.87% | 18.14%-1.3pp | 64.87%-48.0pp | 31.67%-14.8pp |
| Employer contribution / active EE | $485 | $2,419-80.0% | $4,294-88.7% | $2,019-76.0% |
| Participant deferral / active EE | $3,697 | $3,960-6.6% | $6,132-39.7% | $3,358+10.1% |
| Admin fee / account holder | $4,559 | $3,949+15.5% | $14,586-68.7% | $3,203+42.3% |