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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 | $61,632 | $98,760-37.6% | $149,715-58.8% | $79,858-22.8% |
| Participation rate | 58.1% | 75.8%-17.6pp | 82.5%-24.3pp | 69.6%-11.5pp |
| Annual return | 18.69% | 27.43%-8.7pp | 276.66%-258.0pp | 31.72%-13.0pp |
| Employer contribution / active EE | $395 | $3,217-87.7% | $4,645-91.5% | $2,471-84.0% |
| Participant deferral / active EE | $4,330 | $5,681-23.8% | $6,842-36.7% | $3,740+15.8% |
| Admin fee / account holder | $5,058 | $6,053-16.4% | $9,310-45.7% | $5,306-4.7% |