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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 | $60,510 | $80,705-25.0% | $115,768-47.7% | $67,986-11.0% |
| Participation rate | 32.1% | 63.0%-30.9pp | 74.4%-42.3pp | 57.2%-25.1pp |
| Annual return | 29.12% | 18.49%+10.6pp | 100.46%-71.3pp | 31.67%-2.5pp |
| Employer contribution / active EE | $397 | $2,046-80.6% | $2,940-86.5% | $2,019-80.4% |
| Participant deferral / active EE | $2,003 | $3,559-43.7% | $4,917-59.3% | $3,358-40.4% |
| Admin fee / account holder | $14,928 | $4,135+261.0% | $12,439+20.0% | $3,203+366.0% |