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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 | $53,233 | $76,407-30.3% | $150,298-64.6% | $82,448-35.4% |
| Participation rate | 21.2% | 66.4%-45.2pp | 77.8%-56.5pp | 68.1%-46.9pp |
| Annual return | 20.42% | 39.99%-19.6pp | 62.79%-42.4pp | 41.64%-21.2pp |
| Employer contribution / active EE | $100 | $2,614-96.2% | $4,154-97.6% | $2,551-96.1% |
| Participant deferral / active EE | $1,346 | $3,214-58.1% | $5,453-75.3% | $4,139-67.5% |
| Admin fee / account holder | $1,166 | $6,352-81.6% | $14,116-91.7% | $7,234-83.9% |