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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 | $52,133 | $65,041-19.8% | $90,965-42.7% | $79,858-34.7% |
| Participation rate | 64.0% | 61.6%+2.4pp | 69.0%-5.0pp | 69.6%-5.6pp |
| Annual return | 21.31% | 30.45%-9.1pp | 134.57%-113.3pp | 31.72%-10.4pp |
| Employer contribution / active EE | $0 | $1,247-100.0% | $2,122-100.0% | $2,471-100.0% |
| Participant deferral / active EE | $3,357 | $2,512+33.6% | $3,373-0.5% | $3,740-10.2% |
| Admin fee / account holder | $1,339 | $4,536-70.5% | $5,960-77.5% | $5,306-74.8% |