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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 | $60,793 | $84,236-27.8% | $170,435-64.3% | $70,126-13.3% |
| Participation rate | 42.3% | 70.8%-28.6pp | 83.6%-41.3pp | 69.5%-27.3pp |
| Annual return | 13.90% | 23.06%-9.2pp | 205.94%-192.0pp | 73.15%-59.2pp |
| Employer contribution / active EE | $364 | $3,387-89.3% | $5,432-93.3% | $2,343-84.5% |
| Participant deferral / active EE | $1,236 | $3,086-59.9% | $4,939-75.0% | $3,332-62.9% |
| Admin fee / account holder | $1,202 | $5,698-78.9% | $13,881-91.3% | $4,645-74.1% |