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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 | $58,139 | $91,559-36.5% | $133,971-56.6% | $79,852-27.2% |
| Participation rate | 35.2% | 73.3%-38.2pp | 79.8%-44.7pp | 69.6%-34.5pp |
| Annual return | 12.18% | 61.85%-49.7pp | 45.09%-32.9pp | 31.72%-19.5pp |
| Employer contribution / active EE | $225 | $2,384-90.6% | $3,919-94.3% | $2,471-90.9% |
| Participant deferral / active EE | $1,898 | $3,734-49.2% | $5,047-62.4% | $3,740-49.3% |
| Admin fee / account holder | $3,532 | $6,321-44.1% | $8,929-60.4% | $5,306-33.4% |