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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 | $60,102 | $80,674-25.5% | $119,126-49.5% | $64,340-6.6% |
| Participation rate | 38.6% | 55.2%-16.6pp | 75.8%-37.2pp | 55.2%-16.7pp |
| Annual return | 15.08% | 26.86%-11.8pp | 282.11%-267.0pp | 24.14%-9.1pp |
| Employer contribution / active EE | $146 | $2,564-94.3% | $4,034-96.4% | $1,862-92.2% |
| Participant deferral / active EE | $3,098 | $3,053+1.5% | $5,318-41.7% | $2,980+4.0% |
| Admin fee / account holder | $1,855 | $4,559-59.3% | $10,693-82.7% | $3,703-49.9% |