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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 | $57,370 | $65,378-12.2% | $87,103-34.1% | $65,186-12.0% |
| Participation rate | 62.4% | 75.3%-13.0pp | 76.9%-14.5pp | 70.2%-7.8pp |
| Annual return | 69.98% | 31.28%+38.7pp | 28.19%+41.8pp | 29.39%+40.6pp |
| Employer contribution / active EE | $447 | $1,823-75.5% | $2,521-82.3% | $2,177-79.5% |
| Participant deferral / active EE | $2,246 | $3,389-33.7% | $4,049-44.5% | $3,514-36.1% |
| Admin fee / account holder | $2,847 | $520+447.7% | $7,491-62.0% | $847+236.0% |