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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 | $74,479 | $80,753-7.8% | $136,298-45.4% | $62,293+19.6% |
| Participation rate | 43.8% | 73.5%-29.7pp | 81.9%-38.1pp | 69.5%-25.7pp |
| Annual return | 16.88% | 35.83%-19.0pp | 5156.27%-5139.4pp | 28.90%-12.0pp |
| Employer contribution / active EE | $6 | $2,884-99.8% | $4,696-99.9% | $2,042-99.7% |
| Participant deferral / active EE | $3,274 | $5,164-36.6% | $6,247-47.6% | $3,169+3.3% |
| Admin fee / account holder | $605 | $525+15.2% | $9,244-93.5% | $479+26.3% |