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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 | $34,162 | $59,804-42.9% | $81,982-58.3% | $79,856-57.2% |
| Participation rate | 35.9% | 61.6%-25.7pp | 69.3%-33.4pp | 69.6%-33.7pp |
| Annual return | 20.89% | 17.56%+3.3pp | 41.31%-20.4pp | 31.71%-10.8pp |
| Employer contribution / active EE | $225 | $1,713-86.9% | $2,498-91.0% | $2,471-90.9% |
| Participant deferral / active EE | $1,489 | $2,695-44.8% | $3,722-60.0% | $3,741-60.2% |
| Admin fee / account holder | $9,849 | $4,288+129.7% | $5,665+73.9% | $5,306+85.6% |