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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 | $51,447 | $78,428-34.4% | $95,960-46.4% | $79,852-35.6% |
| Participation rate | 69.6% | 73.5%-3.9pp | 77.1%-7.5pp | 69.6%-0.1pp |
| Annual return | 16.20% | 19.37%-3.2pp | 91.63%-75.4pp | 31.72%-15.5pp |
| Employer contribution / active EE | $343 | $1,945-82.4% | $2,541-86.5% | $2,471-86.1% |
| Participant deferral / active EE | $4,002 | $3,440+16.3% | $4,167-4.0% | $3,740+7.0% |
| Admin fee / account holder | $1,172 | $5,622-79.2% | $6,797-82.8% | $5,306-77.9% |