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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 | $78,479 | $81,557-3.8% | $123,973-36.7% | $65,191+20.4% |
| Participation rate | 13.3% | 77.8%-64.5pp | 76.7%-63.4pp | 63.0%-49.7pp |
| Annual return | 15.52% | 11.45%+4.1pp | 388.13%-372.6pp | 51.24%-35.7pp |
| Employer contribution / active EE | $414 | $4,637-91.1% | $4,126-90.0% | $2,400-82.7% |
| Participant deferral / active EE | $1,225 | $2,628-53.4% | $5,247-76.7% | $2,671-54.1% |
| Admin fee / account holder | $4,164 | $1,040+300.5% | $11,799-64.7% | $907+359.1% |