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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 | $62,603 | $79,223-21.0% | $102,460-38.9% | $74,478-15.9% |
| Participation rate | 43.4% | 74.8%-31.4pp | 76.5%-33.2pp | 67.2%-23.9pp |
| Annual return | 16.22% | 54.98%-38.8pp | 29.47%-13.3pp | 1370.56%-1354.3pp |
| Employer contribution / active EE | $432 | $2,363-81.7% | $3,025-85.7% | $2,626-83.5% |
| Participant deferral / active EE | $3,976 | $4,417-10.0% | $5,056-21.4% | $4,350-8.6% |
| Admin fee / account holder | $3,098 | $2,003+54.7% | $9,460-67.3% | $1,946+59.2% |