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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 | $45,576 | $137,414-66.8% | $189,537-76.0% | $85,847-46.9% |
| Participation rate | 62.5% | 84.6%-22.1pp | 87.8%-25.3pp | 69.3%-6.8pp |
| Annual return | 12.60% | 38.14%-25.5pp | 555.34%-542.7pp | 318.61%-306.0pp |
| Employer contribution / active EE | $381 | $4,344-91.2% | $6,161-93.8% | $2,565-85.1% |
| Participant deferral / active EE | $4,417 | $6,260-29.4% | $8,220-46.3% | $3,952+11.8% |
| Admin fee / account holder | $5,356 | $8,630-37.9% | $12,048-55.5% | $6,261-14.4% |