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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 | $55,904 | $78,690-29.0% | $161,489-65.4% | $87,485-36.1% |
| Participation rate | 32.1% | 67.5%-35.4pp | 78.7%-46.6pp | 68.9%-36.8pp |
| Annual return | 21.72% | 32.74%-11.0pp | 89.72%-68.0pp | 26.06%-4.3pp |
| Employer contribution / active EE | $28 | $2,588-98.9% | $4,268-99.3% | $2,596-98.9% |
| Participant deferral / active EE | $3,153 | $3,311-4.8% | $5,630-44.0% | $4,274-26.2% |
| Admin fee / account holder | $721 | $6,724-89.3% | $16,006-95.5% | $7,775-90.7% |