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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 | $68,106 | $78,428-13.2% | $95,960-29.0% | $79,852-14.7% |
| Participation rate | 62.1% | 73.5%-11.4pp | 77.1%-15.0pp | 69.6%-7.6pp |
| Annual return | 16.53% | 19.37%-2.8pp | 91.63%-75.1pp | 31.72%-15.2pp |
| Employer contribution / active EE | $53 | $1,945-97.3% | $2,541-97.9% | $2,471-97.9% |
| Participant deferral / active EE | $2,542 | $3,440-26.1% | $4,167-39.0% | $3,740-32.0% |
| Admin fee / account holder | $326 | $5,622-94.2% | $6,797-95.2% | $5,306-93.9% |