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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 | $33,847 | $61,391-44.9% | $149,723-77.4% | $71,529-52.7% |
| Participation rate | 34.1% | 62.5%-28.4pp | 78.8%-44.7pp | 67.9%-33.9pp |
| Annual return | 17.43% | 35.88%-18.4pp | 134.50%-117.1pp | 28.97%-11.5pp |
| Employer contribution / active EE | $360 | $2,384-84.9% | $4,821-92.5% | $2,590-86.1% |
| Participant deferral / active EE | $1,029 | $2,921-64.8% | $5,682-81.9% | $4,291-76.0% |
| Admin fee / account holder | $2,158 | $1,264+70.7% | $13,215-83.7% | $1,588+35.9% |