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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 | $49,793 | $86,891-42.7% | $142,460-65.0% | $75,181-33.8% |
| Participation rate | 57.4% | 68.5%-11.1pp | 76.8%-19.3pp | 67.2%-9.8pp |
| Annual return | 15.58% | 23.31%-7.7pp | 19.99%-4.4pp | 160.69%-145.1pp |
| Employer contribution / active EE | $649 | $3,355-80.7% | $4,847-86.6% | $2,671-75.7% |
| Participant deferral / active EE | $2,699 | $4,938-45.3% | $6,283-57.0% | $4,126-34.6% |
| Admin fee / account holder | $4,826 | $7,299-33.9% | $10,011-51.8% | $5,650-14.6% |