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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 | $87,439 | $91,559-4.5% | $133,959-34.7% | $79,858+9.5% |
| Participation rate | 48.6% | 73.3%-24.7pp | 79.8%-31.2pp | 69.6%-21.0pp |
| Annual return | 12.86% | 61.85%-49.0pp | 45.09%-32.2pp | 31.72%-18.9pp |
| Employer contribution / active EE | $231 | $2,384-90.3% | $3,919-94.1% | $2,471-90.7% |
| Participant deferral / active EE | $2,307 | $3,734-38.2% | $5,047-54.3% | $3,740-38.3% |
| Admin fee / account holder | $1,329 | $6,321-79.0% | $8,928-85.1% | $5,306-74.9% |