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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 | $74,927 | $91,559-18.2% | $133,971-44.1% | $79,852-6.2% |
| Participation rate | 37.5% | 73.3%-35.8pp | 79.8%-42.3pp | 69.6%-32.1pp |
| Annual return | 35.87% | 61.85%-26.0pp | 45.09%-9.2pp | 31.72%+4.1pp |
| Employer contribution / active EE | $501 | $2,384-79.0% | $3,919-87.2% | $2,471-79.7% |
| Participant deferral / active EE | $2,286 | $3,734-38.8% | $5,047-54.7% | $3,740-38.9% |
| Admin fee / account holder | $7,914 | $6,321+25.2% | $8,929-11.4% | $5,306+49.1% |