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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 | $83,161 | $58,311+42.6% | $81,882+1.6% | $80,959+2.7% |
| Participation rate | 45.0% | 63.5%-18.5pp | 72.4%-27.4pp | 67.7%-22.7pp |
| Annual return | 10.93% | 41.85%-30.9pp | 779.47%-768.5pp | 35.67%-24.7pp |
| Employer contribution / active EE | $213 | $2,347-90.9% | $2,916-92.7% | $2,757-92.3% |
| Participant deferral / active EE | $2,479 | $3,287-24.6% | $4,323-42.7% | $4,300-42.4% |
| Admin fee / account holder | $8,384 | $4,752+76.4% | $7,360+13.9% | $6,925+21.1% |