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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 | $66,803 | $62,672+6.6% | $185,117-63.9% | $70,126-4.7% |
| Participation rate | 56.5% | 63.8%-7.3pp | 77.3%-20.7pp | 69.5%-13.0pp |
| Annual return | 19.17% | 40.79%-21.6pp | 40.50%-21.3pp | 73.15%-54.0pp |
| Employer contribution / active EE | $180 | $1,753-89.8% | $4,182-95.7% | $2,343-92.3% |
| Participant deferral / active EE | $4,173 | $3,272+27.6% | $5,045-17.3% | $3,332+25.3% |
| Admin fee / account holder | $1,963 | $3,932-50.1% | $8,159-75.9% | $4,645-57.7% |