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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 | $36,501 | $77,908-53.1% | $149,696-75.6% | $75,173-51.4% |
| Participation rate | 36.4% | 65.6%-29.2pp | 78.8%-42.4pp | 67.2%-30.8pp |
| Annual return | 20.27% | 31.73%-11.5pp | 134.46%-114.2pp | 160.72%-140.4pp |
| Employer contribution / active EE | $328 | $3,138-89.6% | $4,821-93.2% | $2,671-87.7% |
| Participant deferral / active EE | $2,864 | $3,411-16.0% | $5,682-49.6% | $4,126-30.6% |
| Admin fee / account holder | $360 | $5,950-94.0% | $13,212-97.3% | $5,651-93.6% |