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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 | $45,513 | $102,429-55.6% | $147,096-69.1% | $80,925-43.8% |
| Participation rate | 60.0% | 75.9%-15.9pp | 82.2%-22.2pp | 67.7%-7.7pp |
| Annual return | 18.82% | 135.02%-116.2pp | 419.75%-400.9pp | 35.65%-16.8pp |
| Employer contribution / active EE | $248 | $3,716-93.3% | $4,936-95.0% | $2,756-91.0% |
| Participant deferral / active EE | $5,993 | $6,649-9.9% | $8,071-25.7% | $4,299+39.4% |
| Admin fee / account holder | $7,028 | $7,957-11.7% | $13,005-46.0% | $6,940+1.3% |