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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 | $53,301 | $91,559-41.8% | $133,971-60.2% | $79,852-33.3% |
| Participation rate | 55.1% | 73.3%-18.2pp | 79.8%-24.7pp | 69.6%-14.5pp |
| Annual return | 21.64% | 61.85%-40.2pp | 45.09%-23.5pp | 31.72%-10.1pp |
| Employer contribution / active EE | $321 | $2,384-86.5% | $3,919-91.8% | $2,471-87.0% |
| Participant deferral / active EE | $2,110 | $3,734-43.5% | $5,047-58.2% | $3,740-43.6% |
| Admin fee / account holder | $716 | $6,321-88.7% | $8,929-92.0% | $5,306-86.5% |