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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 | $37,390 | $86,288-56.7% | $111,306-66.4% | $85,851-56.4% |
| Participation rate | 45.7% | 73.3%-27.6pp | 77.3%-31.6pp | 69.3%-23.6pp |
| Annual return | 13.40% | 19.99%-6.6pp | 54.67%-41.3pp | 318.63%-305.2pp |
| Employer contribution / active EE | $323 | $2,044-84.2% | $2,732-88.2% | $2,565-87.4% |
| Participant deferral / active EE | $3,363 | $3,641-7.6% | $4,488-25.1% | $3,952-14.9% |
| Admin fee / account holder | $703 | $8,189-91.4% | $7,966-91.2% | $6,261-88.8% |