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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 | $43,104 | $74,089-41.8% | $133,975-67.8% | $55,167-21.9% |
| Participation rate | 28.6% | 84.3%-55.7pp | 87.1%-58.5pp | 69.0%-40.4pp |
| Annual return | 11.52% | 12.11%-0.6pp | 29.29%-17.8pp | 169.23%-157.7pp |
| Employer contribution / active EE | $391 | $3,064-87.2% | $5,211-92.5% | $1,963-80.1% |
| Participant deferral / active EE | $2,808 | $4,678-40.0% | $6,282-55.3% | $3,054-8.1% |
| Admin fee / account holder | $1,529 | $458+233.7% | $9,324-83.6% | $504+203.4% |