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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 | $32,049 | $76,407-58.1% | $150,298-78.7% | $82,448-61.1% |
| Participation rate | 49.2% | 66.4%-17.2pp | 77.8%-28.6pp | 68.1%-18.9pp |
| Annual return | 19.56% | 39.99%-20.4pp | 62.79%-43.2pp | 41.64%-22.1pp |
| Employer contribution / active EE | $299 | $2,614-88.6% | $4,154-92.8% | $2,551-88.3% |
| Participant deferral / active EE | $2,371 | $3,214-26.3% | $5,453-56.5% | $4,139-42.7% |
| Admin fee / account holder | $2,028 | $6,352-68.1% | $14,116-85.6% | $7,234-72.0% |