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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 | $48,354 | $45,566+6.1% | $64,105-24.6% | $59,633-18.9% |
| Participation rate | 68.8% | 60.2%+8.6pp | 68.2%+0.6pp | 68.7%+0.1pp |
| Annual return | 4.84% | 4.95%-0.1pp | 791.24%-786.4pp | 2041.45%-2036.6pp |
| Employer contribution / active EE | $105 | $934-88.8% | $1,820-94.2% | $2,203-95.2% |
| Participant deferral / active EE | $1,579 | $2,057-23.2% | $2,822-44.0% | $3,192-50.5% |
| Admin fee / account holder | $2,753 | $3,268-15.8% | $4,499-38.8% | $4,297-35.9% |