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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 | $63,136 | $77,638-18.7% | $156,551-59.7% | $62,881+0.4% |
| Participation rate | 18.4% | 71.2%-52.8pp | 84.0%-65.6pp | 69.3%-50.9pp |
| Annual return | 5.67% | 50.33%-44.7pp | 32.23%-26.6pp | 20.14%-14.5pp |
| Employer contribution / active EE | $208 | $3,444-94.0% | $5,501-96.2% | $2,281-90.9% |
| Participant deferral / active EE | $1,008 | $3,046-66.9% | $4,871-79.3% | $3,203-68.5% |
| Admin fee / account holder | $332 | $5,561-94.0% | $13,028-97.5% | $4,296-92.3% |