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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 | $69,514 | $91,559-24.1% | $133,978-48.1% | $79,856-13.0% |
| Participation rate | 46.7% | 73.3%-26.7pp | 79.8%-33.2pp | 69.6%-23.0pp |
| Annual return | 12.80% | 61.85%-49.1pp | 45.10%-32.3pp | 31.71%-18.9pp |
| Employer contribution / active EE | $357 | $2,384-85.0% | $3,919-90.9% | $2,471-85.5% |
| Participant deferral / active EE | $2,941 | $3,734-21.2% | $5,047-41.7% | $3,741-21.4% |
| Admin fee / account holder | $22,501 | $6,321+256.0% | $8,930+152.0% | $5,306+324.0% |