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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 | $52,198 | $91,559-43.0% | $133,971-61.0% | $79,852-34.6% |
| Participation rate | 48.7% | 73.3%-24.6pp | 79.8%-31.1pp | 69.6%-20.9pp |
| Annual return | 18.03% | 61.85%-43.8pp | 45.09%-27.1pp | 31.72%-13.7pp |
| Employer contribution / active EE | $364 | $2,384-84.8% | $3,919-90.7% | $2,471-85.3% |
| Participant deferral / active EE | $1,841 | $3,734-50.7% | $5,047-63.5% | $3,740-50.8% |
| Admin fee / account holder | $457 | $6,321-92.8% | $8,929-94.9% | $5,306-91.4% |