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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 | $51,894 | $56,894-8.8% | $84,753-38.8% | $62,881-17.5% |
| Participation rate | 46.2% | 68.5%-22.4pp | 76.6%-30.4pp | 69.3%-23.2pp |
| Annual return | 7.30% | 6.30%+1.0pp | 22.78%-15.5pp | 20.14%-12.8pp |
| Employer contribution / active EE | $446 | $2,400-81.4% | $3,574-87.5% | $2,281-80.4% |
| Participant deferral / active EE | $2,186 | $2,709-19.3% | $3,712-41.1% | $3,203-31.7% |
| Admin fee / account holder | $5,343 | $3,581+49.2% | $5,333+0.2% | $4,296+24.4% |