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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 | $78,598 | $80,674-2.6% | $119,126-34.0% | $64,340+22.2% |
| Participation rate | 26.4% | 55.2%-28.8pp | 75.8%-49.3pp | 55.2%-28.8pp |
| Annual return | 14.78% | 26.86%-12.1pp | 282.11%-267.3pp | 24.14%-9.4pp |
| Employer contribution / active EE | $515 | $2,564-79.9% | $4,034-87.2% | $1,862-72.3% |
| Participant deferral / active EE | $1,494 | $3,053-51.1% | $5,318-71.9% | $2,980-49.9% |
| Admin fee / account holder | $2,884 | $4,559-36.7% | $10,693-73.0% | $3,703-22.1% |