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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 | $45,906 | $77,901-41.1% | $149,717-69.3% | $75,181-38.9% |
| Participation rate | 21.7% | 65.6%-43.8pp | 78.8%-57.0pp | 67.2%-45.5pp |
| Annual return | 16.96% | 31.73%-14.8pp | 134.41%-117.4pp | 160.69%-143.7pp |
| Employer contribution / active EE | $201 | $3,137-93.6% | $4,820-95.8% | $2,671-92.5% |
| Participant deferral / active EE | $933 | $3,411-72.6% | $5,682-83.6% | $4,126-77.4% |
| Admin fee / account holder | $7,897 | $5,949+32.7% | $13,213-40.2% | $5,650+39.8% |