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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 | $39,981 | $79,209-49.5% | $102,434-61.0% | $74,459-46.3% |
| Participation rate | 65.9% | 74.8%-8.9pp | 76.5%-10.6pp | 67.2%-1.3pp |
| Annual return | 13.91% | 54.98%-41.1pp | 29.46%-15.5pp | 1369.70%-1355.8pp |
| Employer contribution / active EE | $565 | $2,362-76.1% | $3,023-81.3% | $2,626-78.5% |
| Participant deferral / active EE | $5,561 | $4,417+25.9% | $5,055+10.0% | $4,350+27.9% |
| Admin fee / account holder | $998 | $2,002-50.1% | $9,462-89.5% | $1,945-48.7% |