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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 | $34,089 | $88,360-61.4% | $145,433-76.6% | $67,986-49.9% |
| Participation rate | 39.6% | 65.5%-25.9pp | 82.1%-42.5pp | 57.2%-17.6pp |
| Annual return | 16.84% | 63.15%-46.3pp | 66.58%-49.7pp | 31.67%-14.8pp |
| Employer contribution / active EE | $336 | $3,054-89.0% | $4,554-92.6% | $2,019-83.4% |
| Participant deferral / active EE | $4,045 | $5,932-31.8% | $7,897-48.8% | $3,358+20.5% |
| Admin fee / account holder | $3,746 | $3,313+13.1% | $13,129-71.5% | $3,203+16.9% |