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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 | $35,457 | $55,889-36.6% | $76,119-53.4% | $80,935-56.2% |
| Participation rate | 43.8% | 62.1%-18.3pp | 69.1%-25.3pp | 67.7%-23.9pp |
| Annual return | 11.43% | 20.58%-9.2pp | 361.25%-349.8pp | 35.66%-24.2pp |
| Employer contribution / active EE | $372 | $1,866-80.1% | $2,693-86.2% | $2,757-86.5% |
| Participant deferral / active EE | $2,827 | $3,051-7.4% | $4,259-33.6% | $4,299-34.3% |
| Admin fee / account holder | $4,153 | $5,241-20.8% | $6,421-35.3% | $6,924-40.0% |