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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 | $41,784 | $81,334-48.6% | $113,397-63.2% | $64,097-34.8% |
| Participation rate | 56.1% | 65.6%-9.6pp | 76.5%-20.4pp | 55.2%+0.9pp |
| Annual return | 15.43% | 32.50%-17.1pp | 23.20%-7.8pp | 34.64%-19.2pp |
| Employer contribution / active EE | $469 | $2,077-77.4% | $2,977-84.2% | $1,891-75.2% |
| Participant deferral / active EE | $3,279 | $3,795-13.6% | $5,076-35.4% | $3,080+6.5% |
| Admin fee / account holder | $2,744 | $4,208-34.8% | $11,957-77.1% | $3,454-20.6% |