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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 | $78,690-59.5% | $161,489-80.3% | $87,485-63.6% |
| Participation rate | 50.0% | 67.5%-17.5pp | 78.7%-28.7pp | 68.9%-18.9pp |
| Annual return | 15.94% | 32.74%-16.8pp | 89.72%-73.8pp | 26.06%-10.1pp |
| Employer contribution / active EE | $162 | $2,588-93.8% | $4,268-96.2% | $2,596-93.8% |
| Participant deferral / active EE | $2,812 | $3,311-15.1% | $5,630-50.1% | $4,274-34.2% |
| Admin fee / account holder | $1,306 | $6,724-80.6% | $16,006-91.8% | $7,775-83.2% |