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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 | $28,045 | $88,360-68.3% | $145,433-80.7% | $67,986-58.7% |
| Participation rate | 51.7% | 65.5%-13.8pp | 82.1%-30.4pp | 57.2%-5.5pp |
| Annual return | 19.97% | 63.15%-43.2pp | 66.58%-46.6pp | 31.67%-11.7pp |
| Employer contribution / active EE | $336 | $3,054-89.0% | $4,554-92.6% | $2,019-83.4% |
| Participant deferral / active EE | $3,182 | $5,932-46.4% | $7,897-59.7% | $3,358-5.2% |
| Admin fee / account holder | $1,352 | $3,313-59.2% | $13,129-89.7% | $3,203-57.8% |