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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 | $33,342 | $59,440-43.9% | $78,004-57.3% | $82,637-59.7% |
| Participation rate | 54.5% | 62.8%-8.3pp | 69.4%-14.9pp | 68.1%-13.5pp |
| Annual return | 16.91% | 40.24%-23.3pp | 31.07%-14.2pp | 53.51%-36.6pp |
| Employer contribution / active EE | $4 | $1,750-99.8% | $2,469-99.8% | $2,552-99.9% |
| Participant deferral / active EE | $3,620 | $3,138+15.4% | $4,092-11.5% | $4,126-12.3% |
| Admin fee / account holder | $878 | $5,504-84.1% | $7,578-88.4% | $7,339-88.0% |