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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 | $76,523 | $48,011+59.4% | $63,803+19.9% | $82,637-7.4% |
| Participation rate | 60.0% | 66.6%-6.6pp | 72.7%-12.7pp | 68.1%-8.1pp |
| Annual return | 13.23% | 19.84%-6.6pp | 543.72%-530.5pp | 53.51%-40.3pp |
| Employer contribution / active EE | $280 | $1,904-85.3% | $2,532-88.9% | $2,552-89.0% |
| Participant deferral / active EE | $4,245 | $2,846+49.1% | $3,843+10.5% | $4,126+2.9% |
| Admin fee / account holder | $970 | $3,873-75.0% | $5,196-81.3% | $7,339-86.8% |