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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 | $39,810 | $71,230-44.1% | $93,727-57.5% | $80,959-50.8% |
| Participation rate | 33.3% | 60.4%-27.1pp | 68.7%-35.4pp | 67.7%-34.3pp |
| Annual return | 37.05% | 11.26%+25.8pp | 133.83%-96.8pp | 35.67%+1.4pp |
| Employer contribution / active EE | $326 | $1,565-79.2% | $2,421-86.5% | $2,757-88.2% |
| Participant deferral / active EE | $2,245 | $4,037-44.4% | $4,417-49.2% | $4,300-47.8% |
| Admin fee / account holder | $671 | $6,961-90.4% | $8,292-91.9% | $6,925-90.3% |