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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 | $31,276 | $81,262-61.5% | $155,602-79.9% | $80,911-61.3% |
| Participation rate | 17.9% | 66.2%-48.3pp | 78.2%-60.3pp | 67.6%-49.7pp |
| Annual return | 11.78% | 33.34%-21.6pp | 64.81%-53.0pp | 35.63%-23.9pp |
| Employer contribution / active EE | $221 | $3,102-92.9% | $4,675-95.3% | $2,756-92.0% |
| Participant deferral / active EE | $905 | $3,451-73.8% | $5,629-83.9% | $4,297-78.9% |
| Admin fee / account holder | $2,577 | $7,992-67.8% | $15,923-83.8% | $6,935-62.8% |