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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 | $48,438 | $77,638-37.6% | $156,551-69.1% | $62,881-23.0% |
| Participation rate | 66.0% | 71.2%-5.2pp | 84.0%-18.0pp | 69.3%-3.3pp |
| Annual return | 10.42% | 50.33%-39.9pp | 32.23%-21.8pp | 20.14%-9.7pp |
| Employer contribution / active EE | $131 | $3,444-96.2% | $5,501-97.6% | $2,281-94.3% |
| Participant deferral / active EE | $3,219 | $3,046+5.7% | $4,871-33.9% | $3,203+0.5% |
| Admin fee / account holder | $323 | $5,561-94.2% | $13,028-97.5% | $4,296-92.5% |