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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 | $80,565 | $77,814+3.5% | $158,223-49.1% | $86,983-7.4% |
| Participation rate | 22.5% | 68.4%-45.9pp | 79.2%-56.7pp | 69.5%-47.1pp |
| Annual return | 16.34% | 30.54%-14.2pp | 52.09%-35.8pp | 25.83%-9.5pp |
| Employer contribution / active EE | $100 | $2,592-96.1% | $4,109-97.6% | $2,584-96.1% |
| Participant deferral / active EE | $2,000 | $3,270-38.8% | $5,467-63.4% | $4,194-52.3% |
| Admin fee / account holder | $1,671 | $5,879-71.6% | $16,047-89.6% | $7,856-78.7% |