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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 | $26,889 | $75,183-64.2% | $123,894-78.3% | $55,167-51.3% |
| Participation rate | 57.3% | 72.8%-15.5pp | 81.4%-24.1pp | 69.0%-11.7pp |
| Annual return | 12.61% | 19.01%-6.4pp | 47.52%-34.9pp | 169.23%-156.6pp |
| Employer contribution / active EE | $315 | $2,823-88.8% | $4,617-93.2% | $1,963-84.0% |
| Participant deferral / active EE | $3,866 | $5,084-24.0% | $5,984-35.4% | $3,054+26.6% |
| Admin fee / account holder | $2,939 | $663+343.5% | $8,357-64.8% | $504+483.2% |