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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 | $56,682 | $105,200-46.1% | $159,474-64.5% | $85,847-34.0% |
| Participation rate | 69.8% | 75.8%-6.0pp | 82.8%-13.0pp | 69.3%+0.5pp |
| Annual return | 35.03% | 45.08%-10.1pp | 263.68%-228.7pp | 318.61%-283.6pp |
| Employer contribution / active EE | $565 | $3,319-83.0% | $4,831-88.3% | $2,565-78.0% |
| Participant deferral / active EE | $4,538 | $5,946-23.7% | $7,353-38.3% | $3,952+14.8% |
| Admin fee / account holder | $2,688 | $6,934-61.2% | $10,802-75.1% | $6,261-57.1% |