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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 | $56,059 | $88,672-36.8% | $105,223-46.7% | $82,448-32.0% |
| Participation rate | 25.0% | 67.9%-42.9pp | 75.0%-50.0pp | 68.1%-43.1pp |
| Annual return | 13.67% | 30.86%-17.2pp | 180.65%-167.0pp | 41.64%-28.0pp |
| Employer contribution / active EE | $274 | $3,048-91.0% | $3,689-92.6% | $2,551-89.3% |
| Participant deferral / active EE | $2,305 | $4,036-42.9% | $5,072-54.6% | $4,139-44.3% |
| Admin fee / account holder | $399 | $7,146-94.4% | $8,859-95.5% | $7,234-94.5% |