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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 | $74,164 | $78,670-5.7% | $109,173-32.1% | $85,847-13.6% |
| Participation rate | 50.8% | 68.3%-17.5pp | 75.9%-25.1pp | 69.3%-18.5pp |
| Annual return | 13.43% | 25.09%-11.7pp | 25.75%-12.3pp | 318.61%-305.2pp |
| Employer contribution / active EE | $523 | $2,734-80.9% | $3,723-85.9% | $2,565-79.6% |
| Participant deferral / active EE | $1,841 | $3,467-46.9% | $4,654-60.4% | $3,952-53.4% |
| Admin fee / account holder | $11,877 | $5,469+117.1% | $6,755+75.8% | $6,261+89.7% |