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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 | $36,155 | $88,707-59.2% | $74,184-51.3% | $273,972-86.8% |
| Participation rate | 30.0% | 79.4%-49.4pp | 76.6%-46.6pp | 83.0%-53.0pp |
| Annual return | 2.86% | 11.94%-9.1pp | 17.74%-14.9pp | 41.46%-38.6pp |
| Employer contribution / active EE | $444 | $3,159-85.9% | $2,370-81.3% | $4,869-90.9% |
| Participant deferral / active EE | $1,482 | $4,212-64.8% | $3,550-58.2% | $5,287-72.0% |
| Admin fee / account holder | $1,745 | $8,717-80.0% | $5,586-68.8% | $10,133-82.8% |