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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 | $64,498 | $89,259-27.7% | $107,187-39.8% | $82,637-22.0% |
| Participation rate | 44.2% | 67.9%-23.7pp | 75.0%-30.8pp | 68.1%-23.8pp |
| Annual return | 16.75% | 21.02%-4.3pp | 204.55%-187.8pp | 53.51%-36.8pp |
| Employer contribution / active EE | $621 | $3,080-79.8% | $3,782-83.6% | $2,552-75.7% |
| Participant deferral / active EE | $2,962 | $4,037-26.6% | $5,096-41.9% | $4,126-28.2% |
| Admin fee / account holder | $1,863 | $7,381-74.8% | $9,162-79.7% | $7,339-74.6% |