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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 | $56,694 | $53,583+5.8% | $114,563-50.5% | $64,340-11.9% |
| Participation rate | 34.6% | 47.4%-12.8pp | 72.9%-38.3pp | 55.2%-20.6pp |
| Annual return | 17.22% | 24.51%-7.3pp | 241.09%-223.9pp | 24.14%-6.9pp |
| Employer contribution / active EE | $31 | $1,087-97.1% | $2,592-98.8% | $1,862-98.3% |
| Participant deferral / active EE | $1,150 | $2,134-46.1% | $4,142-72.2% | $2,980-61.4% |
| Admin fee / account holder | $2,672 | $3,206-16.6% | $7,623-64.9% | $3,703-27.8% |