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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 | $42,088 | $38,967+8.0% | $86,233-51.2% | $79,634-47.1% |
| Participation rate | 23.6% | 34.1%-10.5pp | 69.0%-45.4pp | 62.5%-38.9pp |
| Annual return | 26.02% | 49.90%-23.9pp | 61.39%-35.4pp | 36.46%-10.4pp |
| Employer contribution / active EE | $32 | $868-96.3% | $2,504-98.7% | $2,529-98.7% |
| Participant deferral / active EE | $2,644 | $1,663+59.1% | $4,559-42.0% | $3,835-31.0% |
| Admin fee / account holder | $3,847 | $2,660+44.6% | $8,342-53.9% | $1,002+283.9% |