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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 | $64,776 | $58,493+10.7% | $84,023-22.9% | $72,976-11.2% |
| Participation rate | 39.6% | 61.2%-21.6pp | 69.0%-29.4pp | 69.5%-29.9pp |
| Annual return | 25.38% | 28.93%-3.5pp | 71.32%-45.9pp | 81.02%-55.6pp |
| Employer contribution / active EE | $197 | $1,163-83.1% | $1,984-90.1% | $2,440-91.9% |
| Participant deferral / active EE | $1,258 | $2,394-47.4% | $3,239-61.2% | $3,608-65.1% |
| Admin fee / account holder | $1,236 | $4,569-72.9% | $6,102-79.7% | $5,124-75.9% |