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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 | $27,763 | $41,377-32.9% | $109,313-74.6% | $62,881-55.8% |
| Participation rate | 59.5% | 57.5%+2.0pp | 71.3%-11.7pp | 69.3%-9.8pp |
| Annual return | 6.57% | 11.05%-4.5pp | 22.07%-15.5pp | 20.14%-13.6pp |
| Employer contribution / active EE | $77 | $1,276-94.0% | $3,892-98.0% | $2,281-96.6% |
| Participant deferral / active EE | $2,140 | $2,045+4.6% | $3,166-32.4% | $3,203-33.2% |
| Admin fee / account holder | $5,474 | $2,884+89.8% | $5,666-3.4% | $4,296+27.4% |