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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 | $31,472 | $80,992-61.1% | $96,534-67.4% | $75,173-58.1% |
| Participation rate | 48.6% | 71.8%-23.2pp | 76.0%-27.4pp | 67.2%-18.6pp |
| Annual return | 18.09% | 27.05%-9.0pp | 25.88%-7.8pp | 160.72%-142.6pp |
| Employer contribution / active EE | $590 | $2,283-74.1% | $2,965-80.1% | $2,671-77.9% |
| Participant deferral / active EE | $2,299 | $3,929-41.5% | $4,851-52.6% | $4,126-44.3% |
| Admin fee / account holder | $704 | $6,717-89.5% | $8,253-91.5% | $5,651-87.5% |