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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 | $52,988 | $65,034-18.5% | $90,970-41.8% | $79,856-33.6% |
| Participation rate | 56.0% | 61.6%-5.6pp | 69.0%-13.0pp | 69.6%-13.6pp |
| Annual return | 39.55% | 30.45%+9.1pp | 134.60%-95.0pp | 31.71%+7.8pp |
| Employer contribution / active EE | $154 | $1,247-87.7% | $2,122-92.7% | $2,471-93.8% |
| Participant deferral / active EE | $1,371 | $2,512-45.4% | $3,373-59.3% | $3,741-63.3% |
| Admin fee / account holder | $552 | $4,536-87.8% | $5,961-90.7% | $5,306-89.6% |