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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 | $39,125 | $98,760-60.4% | $149,715-73.9% | $79,858-51.0% |
| Participation rate | 64.9% | 75.8%-10.8pp | 82.5%-17.5pp | 69.6%-4.7pp |
| Annual return | 19.23% | 27.43%-8.2pp | 276.66%-257.4pp | 31.72%-12.5pp |
| Employer contribution / active EE | $151 | $3,217-95.3% | $4,645-96.8% | $2,471-93.9% |
| Participant deferral / active EE | $5,290 | $5,681-6.9% | $6,842-22.7% | $3,740+41.4% |
| Admin fee / account holder | $6,674 | $6,053+10.2% | $9,310-28.3% | $5,306+25.8% |