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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 | $62,492 | $81,208-23.0% | $98,920-36.8% | $79,856-21.7% |
| Participation rate | 44.7% | 72.5%-27.8pp | 76.0%-31.3pp | 69.6%-24.9pp |
| Annual return | 16.78% | 60.99%-44.2pp | 196.47%-179.7pp | 31.71%-14.9pp |
| Employer contribution / active EE | $177 | $1,960-91.0% | $2,689-93.4% | $2,471-92.8% |
| Participant deferral / active EE | $3,346 | $3,265+2.5% | $4,245-21.2% | $3,741-10.5% |
| Admin fee / account holder | $8,646 | $6,013+43.8% | $6,643+30.2% | $5,306+62.9% |