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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 | $36,599 | $102,385-64.3% | $147,080-75.1% | $80,935-54.8% |
| Participation rate | 39.4% | 75.9%-36.5pp | 82.2%-42.8pp | 67.7%-28.3pp |
| Annual return | 21.44% | 135.09%-113.6pp | 420.17%-398.7pp | 35.66%-14.2pp |
| Employer contribution / active EE | $333 | $3,717-91.0% | $4,933-93.2% | $2,757-87.9% |
| Participant deferral / active EE | $5,681 | $6,651-14.6% | $8,066-29.6% | $4,299+32.1% |
| Admin fee / account holder | $3,497 | $7,951-56.0% | $12,989-73.1% | $6,924-49.5% |