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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 | $30,774 | $60,795-49.4% | $69,483-55.7% | $65,186-52.8% |
| Participation rate | 60.3% | 74.9%-14.5pp | 74.6%-14.3pp | 70.2%-9.9pp |
| Annual return | 26.08% | 17.46%+8.6pp | 28.99%-2.9pp | 29.39%-3.3pp |
| Employer contribution / active EE | $571 | $2,452-76.7% | $2,780-79.5% | $2,177-73.8% |
| Participant deferral / active EE | $2,388 | $3,162-24.5% | $3,537-32.5% | $3,514-32.0% |
| Admin fee / account holder | $374 | $314+19.1% | $3,841-90.3% | $847-55.9% |