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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 | $32,773 | $78,428-58.2% | $95,960-65.8% | $79,852-59.0% |
| Participation rate | 51.1% | 73.5%-22.4pp | 77.1%-26.0pp | 69.6%-18.6pp |
| Annual return | 12.99% | 19.37%-6.4pp | 91.63%-78.6pp | 31.72%-18.7pp |
| Employer contribution / active EE | $301 | $1,945-84.5% | $2,541-88.1% | $2,471-87.8% |
| Participant deferral / active EE | $3,727 | $3,440+8.4% | $4,167-10.5% | $3,740-0.3% |
| Admin fee / account holder | $1,602 | $5,622-71.5% | $6,797-76.4% | $5,306-69.8% |