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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 | $67,771 | $78,690-13.9% | $161,489-58.0% | $87,485-22.5% |
| Participation rate | 31.0% | 67.5%-36.4pp | 78.7%-47.7pp | 68.9%-37.9pp |
| Annual return | 14.09% | 32.74%-18.6pp | 89.72%-75.6pp | 26.06%-12.0pp |
| Employer contribution / active EE | $310 | $2,588-88.0% | $4,268-92.7% | $2,596-88.1% |
| Participant deferral / active EE | $2,082 | $3,311-37.1% | $5,630-63.0% | $4,274-51.3% |
| Admin fee / account holder | $1,219 | $6,724-81.9% | $16,006-92.4% | $7,775-84.3% |