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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 | $46,019 | $67,594-31.9% | $77,361-40.5% | $69,733-34.0% |
| Participation rate | 58.3% | 71.7%-13.4pp | 75.0%-16.7pp | 62.5%-4.2pp |
| Annual return | 12.80% | 19.20%-6.4pp | 1011.54%-998.7pp | 15.22%-2.4pp |
| Employer contribution / active EE | $788 | $2,649-70.3% | $2,990-73.7% | $2,250-65.0% |
| Participant deferral / active EE | $1,361 | $3,401-60.0% | $3,911-65.2% | $3,054-55.4% |
| Admin fee / account holder | $910 | $1,159-21.6% | $5,894-84.6% | $3,102-70.7% |