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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 | $71,025 | $48,053+47.8% | $84,623-16.1% | $72,983-2.7% |
| Participation rate | 48.3% | 57.6%-9.2pp | 68.2%-19.9pp | 69.5%-21.2pp |
| Annual return | 22.12% | 37.39%-15.3pp | 258.77%-236.6pp | 81.01%-58.9pp |
| Employer contribution / active EE | $209 | $1,602-86.9% | $2,652-92.1% | $2,440-91.4% |
| Participant deferral / active EE | $1,764 | $2,681-34.2% | $3,899-54.8% | $3,608-51.1% |
| Admin fee / account holder | $6,295 | $3,395+85.4% | $4,913+28.1% | $5,124+22.8% |