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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 | $50,295 | $88,672-43.3% | $105,223-52.2% | $82,448-39.0% |
| Participation rate | 46.2% | 67.9%-21.8pp | 75.0%-28.9pp | 68.1%-21.9pp |
| Annual return | 16.60% | 30.86%-14.3pp | 180.65%-164.0pp | 41.64%-25.0pp |
| Employer contribution / active EE | $453 | $3,048-85.1% | $3,689-87.7% | $2,551-82.2% |
| Participant deferral / active EE | $1,940 | $4,036-51.9% | $5,072-61.8% | $4,139-53.1% |
| Admin fee / account holder | $2,559 | $7,146-64.2% | $8,859-71.1% | $7,234-64.6% |