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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 | $58,513 | $71,197-17.8% | $93,669-37.5% | $80,925-27.7% |
| Participation rate | 58.4% | 60.4%-2.0pp | 68.7%-10.3pp | 67.7%-9.2pp |
| Annual return | 28.79% | 11.27%+17.5pp | 133.59%-104.8pp | 35.65%-6.9pp |
| Employer contribution / active EE | $177 | $1,565-88.7% | $2,424-92.7% | $2,756-93.6% |
| Participant deferral / active EE | $1,596 | $4,036-60.4% | $4,416-63.9% | $4,299-62.9% |
| Admin fee / account holder | $26,057 | $6,959+274.5% | $8,291+214.3% | $6,940+275.5% |