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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 | $83,389 | $85,766-2.8% | $136,298-38.8% | $70,126+18.9% |
| Participation rate | 39.5% | 74.2%-34.7pp | 81.9%-42.4pp | 69.5%-30.1pp |
| Annual return | 23.11% | 31.46%-8.3pp | 5156.27%-5133.2pp | 73.15%-50.0pp |
| Employer contribution / active EE | $367 | $2,966-87.6% | $4,696-92.2% | $2,343-84.3% |
| Participant deferral / active EE | $3,423 | $5,051-32.2% | $6,247-45.2% | $3,332+2.7% |
| Admin fee / account holder | $1,792 | $5,421-66.9% | $9,244-80.6% | $4,645-61.4% |