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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 | $38,642 | $45,123-14.4% | $85,240-54.7% | $74,478-48.1% |
| Participation rate | 22.1% | 49.4%-27.3pp | 67.5%-45.5pp | 67.2%-45.2pp |
| Annual return | 12.62% | 26.32%-13.7pp | 66.75%-54.1pp | 1370.56%-1357.9pp |
| Employer contribution / active EE | $101 | $1,459-93.1% | $2,735-96.3% | $2,626-96.2% |
| Participant deferral / active EE | $3,243 | $2,736+18.5% | $4,527-28.4% | $4,350-25.4% |
| Admin fee / account holder | $1,843 | $2,215-16.8% | $6,165-70.1% | $1,946-5.3% |