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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 | $85,617 | $101,950-16.0% | $125,529-31.8% | $86,983-1.6% |
| Participation rate | 49.0% | 70.2%-21.1pp | 74.7%-25.7pp | 69.5%-20.5pp |
| Annual return | 15.56% | 18.29%-2.7pp | 202.56%-187.0pp | 25.83%-10.3pp |
| Employer contribution / active EE | $465 | $2,358-80.3% | $3,058-84.8% | $2,584-82.0% |
| Participant deferral / active EE | $2,548 | $3,862-34.0% | $4,813-47.1% | $4,194-39.3% |
| Admin fee / account holder | $444 | $12,791-96.5% | $16,298-97.3% | $7,856-94.3% |