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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 | $66,728 | $57,352+16.3% | $83,830-20.4% | $64,173+4.0% |
| Participation rate | 64.0% | 68.6%-4.6pp | 76.1%-12.1pp | 69.6%-5.6pp |
| Annual return | -5.26% | 11.38%-16.6pp | 850.97%-856.2pp | 7.63%-12.9pp |
| Employer contribution / active EE | $471 | $2,546-81.5% | $3,631-87.0% | $2,381-80.2% |
| Participant deferral / active EE | $2,815 | $2,993-5.9% | $4,082-31.0% | $3,470-18.9% |
| Admin fee / account holder | $357 | $4,046-91.2% | $5,479-93.5% | $4,887-92.7% |