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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 | $80,977 | $93,345-13.2% | $119,126-32.0% | $87,485-7.4% |
| Participation rate | 56.4% | 68.7%-12.3pp | 75.8%-19.4pp | 68.9%-12.5pp |
| Annual return | 14.60% | 19.08%-4.5pp | 282.11%-267.5pp | 26.06%-11.5pp |
| Employer contribution / active EE | $548 | $3,172-82.7% | $4,034-86.4% | $2,596-78.9% |
| Participant deferral / active EE | $3,501 | $4,099-14.6% | $5,318-34.2% | $4,274-18.1% |
| Admin fee / account holder | $9,070 | $8,039+12.8% | $10,693-15.2% | $7,775+16.7% |