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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 | $88,862 | $98,652-9.9% | $142,942-37.8% | $82,448+7.8% |
| Participation rate | 16.0% | 72.8%-56.8pp | 76.8%-60.8pp | 68.1%-52.1pp |
| Annual return | 16.27% | 22.65%-6.4pp | 113.70%-97.4pp | 41.64%-25.4pp |
| Employer contribution / active EE | $434 | $3,211-86.5% | $4,139-89.5% | $2,551-83.0% |
| Participant deferral / active EE | $1,786 | $5,580-68.0% | $7,128-74.9% | $4,139-56.9% |
| Admin fee / account holder | $1,629 | $8,078-79.8% | $12,475-86.9% | $7,234-77.5% |