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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 | $80,063 | $91,559-12.6% | $133,971-40.2% | $79,852+0.3% |
| Participation rate | 36.8% | 73.3%-36.5pp | 79.8%-43.0pp | 69.6%-32.8pp |
| Annual return | 25.24% | 61.85%-36.6pp | 45.09%-19.8pp | 31.72%-6.5pp |
| Employer contribution / active EE | $362 | $2,384-84.8% | $3,919-90.8% | $2,471-85.3% |
| Participant deferral / active EE | $2,906 | $3,734-22.2% | $5,047-42.4% | $3,740-22.3% |
| Admin fee / account holder | $975 | $6,321-84.6% | $8,929-89.1% | $5,306-81.6% |