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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 | $47,977 | $23,330+105.7% | $64,489-25.6% | $82,448-41.8% |
| Participation rate | 64.3% | 68.3%-4.0pp | 67.7%-3.4pp | 68.1%-3.8pp |
| Annual return | 17.39% | 83.66%-66.3pp | 55.03%-37.6pp | 41.64%-24.3pp |
| Employer contribution / active EE | $154 | $824-81.3% | $1,523-89.9% | $2,551-94.0% |
| Participant deferral / active EE | $1,434 | $1,707-16.0% | $2,778-48.4% | $4,139-65.4% |
| Admin fee / account holder | $2,360 | $2,946-19.9% | $4,260-44.6% | $7,234-67.4% |