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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 | $31,588 | $76,407-58.7% | $150,298-79.0% | $82,448-61.7% |
| Participation rate | 37.1% | 66.4%-29.3pp | 77.8%-40.7pp | 68.1%-31.0pp |
| Annual return | 18.36% | 39.99%-21.6pp | 62.79%-44.4pp | 41.64%-23.3pp |
| Employer contribution / active EE | $236 | $2,614-91.0% | $4,154-94.3% | $2,551-90.8% |
| Participant deferral / active EE | $1,671 | $3,214-48.0% | $5,453-69.4% | $4,139-59.6% |
| Admin fee / account holder | $915 | $6,352-85.6% | $14,116-93.5% | $7,234-87.3% |