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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 | $101,993 | $116,203-12.2% | $93,621+8.9% | $152,897-33.3% |
| Participation rate | 54.2% | 78.1%-23.9pp | 75.8%-21.7pp | 82.5%-28.3pp |
| Annual return | 21.31% | 35.96%-14.7pp | 32.76%-11.4pp | 345.43%-324.1pp |
| Employer contribution / active EE | $426 | $3,219-86.8% | $2,719-84.3% | $4,764-91.1% |
| Participant deferral / active EE | $2,742 | $4,605-40.5% | $4,070-32.6% | $5,851-53.1% |
| Admin fee / account holder | $642 | $10,751-94.0% | $7,890-91.9% | $11,599-94.5% |