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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 | $63,600 | $65,395-2.7% | $182,540-65.2% | $72,975-12.8% |
| Participation rate | 57.7% | 65.4%-7.8pp | 78.0%-20.3pp | 69.5%-11.8pp |
| Annual return | 49.48% | 27.68%+21.8pp | 148.58%-99.1pp | 81.01%-31.5pp |
| Employer contribution / active EE | $0 | $1,911-100.0% | $4,076-100.0% | $2,440-100.0% |
| Participant deferral / active EE | $5,824 | $3,563+63.5% | $5,525+5.4% | $3,608+61.4% |
| Admin fee / account holder | $365 | $4,245-91.4% | $8,593-95.8% | $5,124-92.9% |