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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 | $38,671 | $89,259-56.7% | $107,187-63.9% | $82,637-53.2% |
| Participation rate | 29.6% | 67.9%-38.3pp | 75.0%-45.4pp | 68.1%-38.4pp |
| Annual return | 19.05% | 21.02%-2.0pp | 204.55%-185.5pp | 53.51%-34.5pp |
| Employer contribution / active EE | $516 | $3,080-83.2% | $3,782-86.3% | $2,552-79.8% |
| Participant deferral / active EE | $3,653 | $4,037-9.5% | $5,096-28.3% | $4,126-11.5% |
| Admin fee / account holder | $3,383 | $7,381-54.2% | $9,162-63.1% | $7,339-53.9% |