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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 | $49,260 | $54,541-9.7% | $78,778-37.5% | $70,126-29.8% |
| Participation rate | 25.5% | 60.8%-35.3pp | 69.2%-43.7pp | 69.5%-44.1pp |
| Annual return | 17.19% | 21.07%-3.9pp | 35.62%-18.4pp | 73.15%-56.0pp |
| Employer contribution / active EE | $132 | $1,089-87.9% | $1,986-93.4% | $2,343-94.4% |
| Participant deferral / active EE | $1,172 | $2,210-47.0% | $2,958-60.4% | $3,332-64.8% |
| Admin fee / account holder | $5,112 | $3,709+37.8% | $5,134-0.4% | $4,645+10.0% |