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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 | $31,873 | $76,407-58.3% | $150,298-78.8% | $82,448-61.3% |
| Participation rate | 50.0% | 66.4%-16.4pp | 77.8%-27.8pp | 68.1%-18.1pp |
| Annual return | 15.94% | 39.99%-24.1pp | 62.79%-46.8pp | 41.64%-25.7pp |
| Employer contribution / active EE | $162 | $2,614-93.8% | $4,154-96.1% | $2,551-93.7% |
| Participant deferral / active EE | $2,812 | $3,214-12.5% | $5,453-48.4% | $4,139-32.1% |
| Admin fee / account holder | $1,306 | $6,352-79.4% | $14,116-90.7% | $7,234-82.0% |