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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 | $38,096 | $56,110-32.1% | $94,993-59.9% | $70,126-45.7% |
| Participation rate | 24.3% | 65.0%-40.7pp | 73.9%-49.6pp | 69.5%-45.3pp |
| Annual return | 15.14% | 51.02%-35.9pp | 27.14%-12.0pp | 73.15%-58.0pp |
| Employer contribution / active EE | $198 | $1,442-86.3% | $2,603-92.4% | $2,343-91.6% |
| Participant deferral / active EE | $1,299 | $2,391-45.7% | $3,317-60.8% | $3,332-61.0% |
| Admin fee / account holder | $4,061 | $3,456+17.5% | $4,960-18.1% | $4,645-12.6% |