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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 | $78,520 | $159,934-50.9% | $147,005-46.6% | $145,959-46.2% |
| Participation rate | 44.4% | 84.0%-39.6pp | 82.2%-37.7pp | 80.3%-35.8pp |
| Annual return | 15.95% | 98.24%-82.3pp | 418.76%-402.8pp | 561.95%-546.0pp |
| Employer contribution / active EE | $485 | $5,287-90.8% | $4,934-90.2% | $4,661-89.6% |
| Participant deferral / active EE | $3,320 | $8,427-60.6% | $8,070-58.9% | $6,689-50.4% |
| Admin fee / account holder | $700 | $15,053-95.3% | $13,006-94.6% | $13,398-94.8% |