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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 | $51,794 | $48,364+7.1% | $71,796-27.9% | $62,881-17.6% |
| Participation rate | 23.8% | 60.6%-36.8pp | 69.1%-45.3pp | 69.3%-45.5pp |
| Annual return | 6.86% | 13.16%-6.3pp | 78.04%-71.2pp | 20.14%-13.3pp |
| Employer contribution / active EE | $75 | $1,042-92.8% | $1,924-96.1% | $2,281-96.7% |
| Participant deferral / active EE | $1,054 | $2,091-49.6% | $2,794-62.3% | $3,203-67.1% |
| Admin fee / account holder | $855 | $3,771-77.3% | $4,815-82.2% | $4,296-80.1% |