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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 | $38,640 | $77,814-50.3% | $158,223-75.6% | $86,983-55.6% |
| Participation rate | 37.0% | 68.4%-31.4pp | 79.2%-42.2pp | 69.5%-32.5pp |
| Annual return | 14.03% | 30.54%-16.5pp | 52.09%-38.1pp | 25.83%-11.8pp |
| Employer contribution / active EE | $109 | $2,592-95.8% | $4,109-97.3% | $2,584-95.8% |
| Participant deferral / active EE | $1,416 | $3,270-56.7% | $5,467-74.1% | $4,194-66.2% |
| Admin fee / account holder | $2,509 | $5,879-57.3% | $16,047-84.4% | $7,856-68.1% |