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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 | $50,078 | $51,620-3.0% | $90,304-44.5% | $65,185-23.2% |
| Participation rate | 32.4% | 68.6%-36.2pp | 73.3%-40.9pp | 70.2%-37.8pp |
| Annual return | 22.07% | 24.94%-2.9pp | 78.13%-56.1pp | 29.38%-7.3pp |
| Employer contribution / active EE | $341 | $2,235-84.8% | $2,855-88.1% | $2,177-84.4% |
| Participant deferral / active EE | $1,420 | $2,871-50.5% | $3,885-63.4% | $3,514-59.6% |
| Admin fee / account holder | $785 | $384+104.2% | $5,354-85.3% | $847-7.4% |