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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 | $37,840 | $81,358-53.5% | $155,556-75.7% | $80,959-53.3% |
| Participation rate | 19.6% | 66.3%-46.7pp | 78.2%-58.6pp | 67.7%-48.1pp |
| Annual return | 18.45% | 33.39%-14.9pp | 64.84%-46.4pp | 35.67%-17.2pp |
| Employer contribution / active EE | $194 | $3,106-93.7% | $4,675-95.8% | $2,757-93.0% |
| Participant deferral / active EE | $2,588 | $3,455-25.1% | $5,631-54.0% | $4,300-39.8% |
| Admin fee / account holder | $1,458 | $7,994-81.8% | $15,885-90.8% | $6,925-78.9% |