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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 | $61,194 | $77,164-20.7% | $178,014-65.6% | $80,874-24.3% |
| Participation rate | 48.1% | 65.7%-17.6pp | 77.1%-29.0pp | 67.6%-19.6pp |
| Annual return | 12.22% | 18.09%-5.9pp | 294.80%-282.6pp | 35.62%-23.4pp |
| Employer contribution / active EE | $306 | $2,288-86.6% | $3,950-92.2% | $2,756-88.9% |
| Participant deferral / active EE | $4,180 | $4,408-5.2% | $6,276-33.4% | $4,297-2.7% |
| Admin fee / account holder | $1,560 | $7,164-78.2% | $10,362-84.9% | $6,935-77.5% |