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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 | $31,872 | $58,493-45.5% | $84,021-62.1% | $72,975-56.3% |
| Participation rate | 68.9% | 61.2%+7.7pp | 69.0%-0.1pp | 69.5%-0.6pp |
| Annual return | 23.37% | 28.93%-5.6pp | 71.32%-48.0pp | 81.01%-57.6pp |
| Employer contribution / active EE | $0 | $1,163-100.0% | $1,984-100.0% | $2,440-100.0% |
| Participant deferral / active EE | $3,921 | $2,394+63.8% | $3,239+21.0% | $3,608+8.7% |
| Admin fee / account holder | $1,790 | $4,569-60.8% | $6,102-70.7% | $5,124-65.1% |