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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 | $77,418 | $88,672-12.7% | $105,223-26.4% | $82,448-6.1% |
| Participation rate | 31.3% | 67.9%-36.7pp | 75.0%-43.8pp | 68.1%-36.8pp |
| Annual return | 17.61% | 30.86%-13.2pp | 180.65%-163.0pp | 41.64%-24.0pp |
| Employer contribution / active EE | $490 | $3,048-83.9% | $3,689-86.7% | $2,551-80.8% |
| Participant deferral / active EE | $2,485 | $4,036-38.4% | $5,072-51.0% | $4,139-40.0% |
| Admin fee / account holder | $554 | $7,146-92.2% | $8,859-93.7% | $7,234-92.3% |