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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 | $76,383-20.8% | $121,663-50.3% | $64,340-6.0% |
| Participation rate | 32.1% | 60.4%-28.4pp | 74.5%-42.4pp | 55.2%-23.2pp |
| Annual return | 29.12% | 16.98%+12.1pp | 147.54%-118.4pp | 24.14%+5.0pp |
| Employer contribution / active EE | $397 | $1,943-79.6% | $3,020-86.9% | $1,862-78.7% |
| Participant deferral / active EE | $2,003 | $3,149-36.4% | $4,887-59.0% | $2,980-32.8% |
| Admin fee / account holder | $14,928 | $4,142+260.4% | $14,289+4.5% | $3,703+303.2% |