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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 | $95,904-59.2% | $173,730-77.5% | $64,340-39.2% |
| Participation rate | 67.7% | 60.6%+7.1pp | 79.6%-11.9pp | 55.2%+12.5pp |
| Annual return | 16.87% | 17.47%-0.6pp | 19.96%-3.1pp | 24.14%-7.3pp |
| Employer contribution / active EE | $485 | $2,323-79.1% | $4,577-89.4% | $1,862-74.0% |
| Participant deferral / active EE | $3,697 | $3,488+6.0% | $6,326-41.6% | $2,980+24.1% |
| Admin fee / account holder | $4,559 | $5,089-10.4% | $17,523-74.0% | $3,703+23.1% |