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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 | $31,275 | $38,969-19.7% | $109,313-71.4% | $55,167-43.3% |
| Participation rate | 34.7% | 58.2%-23.5pp | 71.3%-36.6pp | 69.0%-34.3pp |
| Annual return | 11.46% | 8.26%+3.2pp | 22.07%-10.6pp | 169.23%-157.8pp |
| Employer contribution / active EE | $186 | $1,227-84.8% | $3,892-95.2% | $1,963-90.5% |
| Participant deferral / active EE | $799 | $2,176-63.3% | $3,166-74.8% | $3,054-73.8% |
| Admin fee / account holder | $1,035 | $501+106.5% | $5,666-81.7% | $504+105.3% |