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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 | $52,776 | $77,908-32.3% | $149,696-64.7% | $75,173-29.8% |
| Participation rate | 63.6% | 65.6%-1.9pp | 78.8%-15.1pp | 67.2%-3.6pp |
| Annual return | 14.33% | 31.73%-17.4pp | 134.46%-120.1pp | 160.72%-146.4pp |
| Employer contribution / active EE | $359 | $3,138-88.5% | $4,821-92.5% | $2,671-86.5% |
| Participant deferral / active EE | $3,631 | $3,411+6.4% | $5,682-36.1% | $4,126-12.0% |
| Admin fee / account holder | $1,153 | $5,950-80.6% | $13,212-91.3% | $5,651-79.6% |