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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 | $33,291 | $63,433-47.5% | $63,803-47.8% | $64,097-48.1% |
| Participation rate | 43.1% | 65.0%-21.9pp | 72.7%-29.6pp | 55.2%-12.1pp |
| Annual return | 12.12% | 20.74%-8.6pp | 543.72%-531.6pp | 34.64%-22.5pp |
| Employer contribution / active EE | $517 | $2,332-77.8% | $2,532-79.6% | $1,891-72.7% |
| Participant deferral / active EE | $1,117 | $3,119-64.2% | $3,843-70.9% | $3,080-63.7% |
| Admin fee / account holder | $2,004 | $1,489+34.5% | $5,196-61.4% | $3,454-42.0% |