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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 | $64,999 | $102,422-36.5% | $147,117-55.8% | $80,959-19.7% |
| Participation rate | 46.4% | 75.9%-29.4pp | 82.2%-35.8pp | 67.7%-21.2pp |
| Annual return | 14.21% | 135.16%-120.9pp | 420.54%-406.3pp | 35.67%-21.5pp |
| Employer contribution / active EE | $412 | $3,717-88.9% | $4,932-91.7% | $2,757-85.1% |
| Participant deferral / active EE | $2,735 | $6,652-58.9% | $8,065-66.1% | $4,300-36.4% |
| Admin fee / account holder | $802 | $7,953-89.9% | $12,993-93.8% | $6,925-88.4% |