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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 | $53,403 | $94,031-43.2% | $115,768-53.9% | $82,448-35.2% |
| Participation rate | 52.2% | 70.4%-18.2pp | 74.4%-22.2pp | 68.1%-15.9pp |
| Annual return | 68.69% | 20.61%+48.1pp | 100.46%-31.8pp | 41.64%+27.0pp |
| Employer contribution / active EE | $124 | $2,323-94.7% | $2,940-95.8% | $2,551-95.1% |
| Participant deferral / active EE | $5,655 | $3,972+42.4% | $4,917+15.0% | $4,139+36.6% |
| Admin fee / account holder | $3,072 | $10,249-70.0% | $12,439-75.3% | $7,234-57.5% |