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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 | $38,812 | $59,123-34.4% | $77,183-49.7% | $75,181-48.4% |
| Participation rate | 31.5% | 63.9%-32.4pp | 69.6%-38.1pp | 67.2%-35.7pp |
| Annual return | 24.13% | 26.72%-2.6pp | 37.89%-13.8pp | 160.69%-136.6pp |
| Employer contribution / active EE | $338 | $1,996-83.0% | $2,534-86.6% | $2,671-87.3% |
| Participant deferral / active EE | $2,176 | $2,999-27.4% | $3,833-43.2% | $4,126-47.3% |
| Admin fee / account holder | $8,707 | $4,776+82.3% | $5,475+59.0% | $5,650+54.1% |