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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 | $60,815 | $81,208-25.1% | $98,920-38.5% | $79,852-23.8% |
| Participation rate | 42.9% | 72.5%-29.6pp | 76.0%-33.2pp | 69.6%-26.8pp |
| Annual return | 12.79% | 60.99%-48.2pp | 196.47%-183.7pp | 31.72%-18.9pp |
| Employer contribution / active EE | $273 | $1,960-86.1% | $2,689-89.8% | $2,471-88.9% |
| Participant deferral / active EE | $1,428 | $3,265-56.3% | $4,245-66.4% | $3,740-61.8% |
| Admin fee / account holder | $602 | $6,013-90.0% | $6,643-90.9% | $5,306-88.7% |