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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 | $62,459 | $78,423-20.4% | $95,964-34.9% | $79,856-21.8% |
| Participation rate | 64.9% | 73.5%-8.6pp | 77.1%-12.2pp | 69.6%-4.8pp |
| Annual return | 16.48% | 19.37%-2.9pp | 91.64%-75.2pp | 31.71%-15.2pp |
| Employer contribution / active EE | $391 | $1,945-79.9% | $2,541-84.6% | $2,471-84.2% |
| Participant deferral / active EE | $3,042 | $3,440-11.6% | $4,167-27.0% | $3,741-18.7% |
| Admin fee / account holder | $1,360 | $5,622-75.8% | $6,797-80.0% | $5,306-74.4% |