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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 | $43,234 | $77,908-44.5% | $149,696-71.1% | $75,173-42.5% |
| Participation rate | 28.8% | 65.6%-36.8pp | 78.8%-50.0pp | 67.2%-38.4pp |
| Annual return | 20.34% | 31.73%-11.4pp | 134.46%-114.1pp | 160.72%-140.4pp |
| Employer contribution / active EE | $119 | $3,138-96.2% | $4,821-97.5% | $2,671-95.6% |
| Participant deferral / active EE | $2,566 | $3,411-24.8% | $5,682-54.8% | $4,126-37.8% |
| Admin fee / account holder | $977 | $5,950-83.6% | $13,212-92.6% | $5,651-82.7% |