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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 | $65,504 | $106,864-38.7% | $147,318-55.5% | $82,637-20.7% |
| Participation rate | 39.3% | 75.5%-36.2pp | 82.1%-42.8pp | 68.1%-28.8pp |
| Annual return | 58.55% | 27.49%+31.1pp | 70.43%-11.9pp | 53.51%+5.0pp |
| Employer contribution / active EE | $372 | $3,417-89.1% | $4,593-91.9% | $2,552-85.4% |
| Participant deferral / active EE | $4,764 | $6,496-26.7% | $7,906-39.7% | $4,126+15.5% |
| Admin fee / account holder | $7,732 | $8,415-8.1% | $13,708-43.6% | $7,339+5.4% |