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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 | $64,214 | $91,559-29.9% | $133,978-52.1% | $79,856-19.6% |
| Participation rate | 62.9% | 73.3%-10.5pp | 79.8%-17.0pp | 69.6%-6.8pp |
| Annual return | 17.30% | 61.85%-44.6pp | 45.10%-27.8pp | 31.71%-14.4pp |
| Employer contribution / active EE | $450 | $2,384-81.1% | $3,919-88.5% | $2,471-81.8% |
| Participant deferral / active EE | $2,791 | $3,734-25.2% | $5,047-44.7% | $3,741-25.4% |
| Admin fee / account holder | $915 | $6,321-85.5% | $8,930-89.8% | $5,306-82.8% |