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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 | $76,823 | $54,573+40.8% | $90,970-15.6% | $73,497+4.5% |
| Participation rate | 34.3% | 61.2%-26.9pp | 69.0%-34.7pp | 70.7%-36.4pp |
| Annual return | 13.70% | 16.69%-3.0pp | 134.60%-120.9pp | 28.51%-14.8pp |
| Employer contribution / active EE | $0 | $991-100.0% | $2,122-100.0% | $2,270-100.0% |
| Participant deferral / active EE | $1,276 | $2,517-49.3% | $3,373-62.2% | $3,740-65.9% |
| Admin fee / account holder | $3,317 | $521+536.1% | $5,961-44.4% | $513+546.5% |