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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 | $39,309 | $65,027-39.5% | $90,970-56.8% | $79,852-50.8% |
| Participation rate | 22.5% | 61.6%-39.1pp | 69.0%-46.5pp | 69.6%-47.1pp |
| Annual return | 14.79% | 30.45%-15.7pp | 134.58%-119.8pp | 31.72%-16.9pp |
| Employer contribution / active EE | $199 | $1,247-84.1% | $2,122-90.6% | $2,471-92.0% |
| Participant deferral / active EE | $1,393 | $2,512-44.6% | $3,373-58.7% | $3,740-62.8% |
| Admin fee / account holder | $487 | $4,535-89.3% | $5,960-91.8% | $5,306-90.8% |