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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 | $80,313 | $123,793-35.1% | $177,848-54.8% | $79,856+0.6% |
| Participation rate | 59.3% | 84.7%-25.4pp | 87.7%-28.5pp | 69.6%-10.4pp |
| Annual return | 13.19% | 22.82%-9.6pp | 48.33%-35.1pp | 31.71%-18.5pp |
| Employer contribution / active EE | $456 | $4,095-88.9% | $5,919-92.3% | $2,471-81.6% |
| Participant deferral / active EE | $4,837 | $5,956-18.8% | $7,714-37.3% | $3,741+29.3% |
| Admin fee / account holder | $919 | $7,243-87.3% | $12,431-92.6% | $5,306-82.7% |