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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 | $64,103 | $49,976+28.3% | $66,674-3.9% | $82,637-22.4% |
| Participation rate | 39.7% | 63.1%-23.4pp | 73.7%-33.9pp | 68.1%-28.3pp |
| Annual return | 13.64% | 39.09%-25.5pp | 321.24%-307.6pp | 53.51%-39.9pp |
| Employer contribution / active EE | $198 | $1,988-90.0% | $2,620-92.4% | $2,552-92.2% |
| Participant deferral / active EE | $1,147 | $2,847-59.7% | $4,084-71.9% | $4,126-72.2% |
| Admin fee / account holder | $8,253 | $4,594+79.7% | $5,098+61.9% | $7,339+12.5% |