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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 | $34,985 | $58,493-40.2% | $84,023-58.4% | $72,976-52.1% |
| Participation rate | 69.4% | 61.2%+8.2pp | 69.0%+0.4pp | 69.5%-0.1pp |
| Annual return | 20.41% | 28.93%-8.5pp | 71.32%-50.9pp | 81.02%-60.6pp |
| Employer contribution / active EE | $0 | $1,163-100.0% | $1,984-100.0% | $2,440-100.0% |
| Participant deferral / active EE | $2,588 | $2,394+8.1% | $3,239-20.1% | $3,608-28.3% |
| Admin fee / account holder | $2,514 | $4,569-45.0% | $6,102-58.8% | $5,124-50.9% |