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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 | $51,194 | $50,554+1.3% | $67,681-24.4% | $87,485-41.5% |
| Participation rate | 54.8% | 67.7%-12.9pp | 73.7%-18.9pp | 68.9%-14.1pp |
| Annual return | 12.32% | 17.81%-5.5pp | 590.58%-578.3pp | 26.06%-13.7pp |
| Employer contribution / active EE | $171 | $1,988-91.4% | $2,678-93.6% | $2,596-93.4% |
| Participant deferral / active EE | $3,164 | $2,961+6.8% | $3,976-20.4% | $4,274-26.0% |
| Admin fee / account holder | $590 | $4,132-85.7% | $6,100-90.3% | $7,775-92.4% |