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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 | $61,019 | $48,364+26.2% | $71,796-15.0% | $62,881-3.0% |
| Participation rate | 40.0% | 60.6%-20.6pp | 69.1%-29.1pp | 69.3%-29.3pp |
| Annual return | 8.85% | 13.16%-4.3pp | 78.04%-69.2pp | 20.14%-11.3pp |
| Employer contribution / active EE | $79 | $1,042-92.4% | $1,924-95.9% | $2,281-96.5% |
| Participant deferral / active EE | $1,743 | $2,091-16.7% | $2,794-37.6% | $3,203-45.6% |
| Admin fee / account holder | $2,936 | $3,771-22.1% | $4,815-39.0% | $4,296-31.6% |