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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 | $54,301 | $142,972-62.0% | $214,702-74.7% | $86,983-37.6% |
| Participation rate | 54.9% | 84.9%-29.9pp | 87.5%-32.5pp | 69.5%-14.6pp |
| Annual return | 20.78% | 18.49%+2.3pp | 54.55%-33.8pp | 25.83%-5.1pp |
| Employer contribution / active EE | $1,315 | $4,635-71.6% | $6,461-79.6% | $2,584-49.1% |
| Participant deferral / active EE | $5,057 | $6,568-23.0% | $9,147-44.7% | $4,194+20.6% |
| Admin fee / account holder | $6,559 | $17,617-62.8% | $19,830-66.9% | $7,856-16.5% |