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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 | $11,280 | $57,119-80.3% | $85,187-86.8% | $80,935-86.1% |
| Participation rate | 60.3% | 56.4%+3.9pp | 67.5%-7.2pp | 67.7%-7.3pp |
| Annual return | 11.39% | 21.70%-10.3pp | 66.67%-55.3pp | 35.66%-24.3pp |
| Employer contribution / active EE | $40 | $1,802-97.8% | $2,732-98.5% | $2,757-98.5% |
| Participant deferral / active EE | $2,818 | $3,115-9.5% | $4,525-37.7% | $4,299-34.5% |
| Admin fee / account holder | $567 | $4,990-88.6% | $6,162-90.8% | $6,924-91.8% |