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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 | $69,196 | $65,034+6.4% | $90,970-23.9% | $79,856-13.3% |
| Participation rate | 40.7% | 61.6%-20.9pp | 69.0%-28.3pp | 69.6%-28.9pp |
| Annual return | 13.45% | 30.45%-17.0pp | 134.60%-121.1pp | 31.71%-18.3pp |
| Employer contribution / active EE | $0 | $1,247-100.0% | $2,122-100.0% | $2,471-100.0% |
| Participant deferral / active EE | $1,313 | $2,512-47.7% | $3,373-61.1% | $3,741-64.9% |
| Admin fee / account holder | $780 | $4,536-82.8% | $5,961-86.9% | $5,306-85.3% |