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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 | $34,081 | $43,496-21.6% | $161,489-78.9% | $64,340-47.0% |
| Participation rate | 48.0% | 53.5%-5.5pp | 78.7%-30.7pp | 55.2%-7.2pp |
| Annual return | 18.28% | 20.76%-2.5pp | 89.72%-71.4pp | 24.14%-5.9pp |
| Employer contribution / active EE | $86 | $1,431-94.0% | $4,268-98.0% | $1,862-95.4% |
| Participant deferral / active EE | $1,787 | $1,996-10.5% | $5,630-68.3% | $2,980-40.0% |
| Admin fee / account holder | $427 | $2,330-81.7% | $16,006-97.3% | $3,703-88.5% |