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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 | $76,123 | $91,559-16.9% | $133,978-43.2% | $79,856-4.7% |
| Participation rate | 53.7% | 73.3%-19.6pp | 79.8%-26.1pp | 69.6%-15.9pp |
| Annual return | 17.44% | 61.85%-44.4pp | 45.10%-27.7pp | 31.71%-14.3pp |
| Employer contribution / active EE | $515 | $2,384-78.4% | $3,919-86.9% | $2,471-79.2% |
| Participant deferral / active EE | $2,067 | $3,734-44.6% | $5,047-59.0% | $3,741-44.7% |
| Admin fee / account holder | $309 | $6,321-95.1% | $8,930-96.5% | $5,306-94.2% |