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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 | $72,850 | $110,278-33.9% | $95,740-23.9% | $139,466-47.8% |
| Participation rate | 55.6% | 75.7%-20.2pp | 72.3%-16.7pp | 80.3%-24.8pp |
| Annual return | 12.78% | 27.19%-14.4pp | 28.41%-15.6pp | 373.66%-360.9pp |
| Employer contribution / active EE | $183 | $3,260-94.4% | $2,836-93.5% | $4,754-96.1% |
| Participant deferral / active EE | $1,221 | $4,674-73.9% | $4,244-71.2% | $6,712-81.8% |
| Admin fee / account holder | $1,362 | $6,613-79.4% | $5,676-76.0% | $11,409-88.1% |