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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 | $64,993 | $91,179-28.7% | $178,499-63.6% | $79,852-18.6% |
| Participation rate | 55.0% | 69.2%-14.2pp | 81.9%-26.9pp | 69.6%-14.6pp |
| Annual return | 15.86% | 24.19%-8.3pp | 151.10%-135.2pp | 31.72%-15.9pp |
| Employer contribution / active EE | $284 | $3,256-91.3% | $5,011-94.3% | $2,471-88.5% |
| Participant deferral / active EE | $1,644 | $3,236-49.2% | $5,202-68.4% | $3,740-56.1% |
| Admin fee / account holder | $2,190 | $6,749-67.6% | $13,986-84.3% | $5,306-58.7% |