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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 | $52,178 | $55,889-6.6% | $76,119-31.5% | $80,935-35.5% |
| Participation rate | 48.1% | 62.1%-13.9pp | 69.1%-20.9pp | 67.7%-19.5pp |
| Annual return | 15.95% | 20.58%-4.6pp | 361.25%-345.3pp | 35.66%-19.7pp |
| Employer contribution / active EE | $225 | $1,866-88.0% | $2,693-91.6% | $2,757-91.8% |
| Participant deferral / active EE | $1,796 | $3,051-41.1% | $4,259-57.8% | $4,299-58.2% |
| Admin fee / account holder | $5,487 | $5,241+4.7% | $6,421-14.5% | $6,924-20.8% |