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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 | $55,436 | $46,697+18.7% | $117,533-52.8% | $68,486-19.1% |
| Participation rate | 59.5% | 56.8%+2.7pp | 70.6%-11.1pp | 67.9%-8.4pp |
| Annual return | 13.89% | -14.52%+28.4pp | 29.77%-15.9pp | -7.85%+21.7pp |
| Employer contribution / active EE | $222 | $1,506-85.3% | $4,179-94.7% | $2,597-91.5% |
| Participant deferral / active EE | $2,980 | $2,637+13.0% | $4,072-26.8% | $4,028-26.0% |
| Admin fee / account holder | $680 | $4,023-83.1% | $5,647-88.0% | $5,404-87.4% |