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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 | $80,143 | $101,950-21.4% | $125,529-36.2% | $86,983-7.9% |
| Participation rate | 57.4% | 70.2%-12.8pp | 74.7%-17.3pp | 69.5%-12.1pp |
| Annual return | 14.50% | 18.29%-3.8pp | 202.56%-188.1pp | 25.83%-11.3pp |
| Employer contribution / active EE | $297 | $2,358-87.4% | $3,058-90.3% | $2,584-88.5% |
| Participant deferral / active EE | $3,821 | $3,862-1.1% | $4,813-20.6% | $4,194-8.9% |
| Admin fee / account holder | $1,238 | $12,791-90.3% | $16,298-92.4% | $7,856-84.2% |