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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 | $64,256 | $75,058-14.4% | $152,301-57.8% | $64,340-0.1% |
| Participation rate | 35.8% | 60.9%-25.1pp | 82.4%-46.6pp | 55.2%-19.4pp |
| Annual return | 15.63% | 29.93%-14.3pp | 80.50%-64.9pp | 24.14%-8.5pp |
| Employer contribution / active EE | $60 | $2,605-97.7% | $4,624-98.7% | $1,862-96.8% |
| Participant deferral / active EE | $1,256 | $5,041-75.1% | $8,004-84.3% | $2,980-57.8% |
| Admin fee / account holder | $3,796 | $4,050-6.3% | $14,398-73.6% | $3,703+2.5% |