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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 | $99,710 | $77,816+28.1% | $123,549-19.3% | $64,181+55.4% |
| Participation rate | 50.0% | 74.7%-24.7pp | 82.3%-32.3pp | 69.6%-19.6pp |
| Annual return | 3.15% | 12.49%-9.3pp | 119.20%-116.1pp | 7.63%-4.5pp |
| Employer contribution / active EE | $420 | $3,014-86.1% | $4,628-90.9% | $2,381-82.4% |
| Participant deferral / active EE | $3,380 | $5,240-35.5% | $6,426-47.4% | $3,470-2.6% |
| Admin fee / account holder | $1,446 | $5,519-73.8% | $9,284-84.4% | $4,887-70.4% |