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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 | $28,477 | $98,760-71.2% | $149,715-81.0% | $79,858-64.3% |
| Participation rate | 32.0% | 75.8%-43.8pp | 82.5%-50.5pp | 69.6%-37.6pp |
| Annual return | 14.06% | 27.43%-13.4pp | 276.66%-262.6pp | 31.72%-17.7pp |
| Employer contribution / active EE | $295 | $3,217-90.8% | $4,645-93.7% | $2,471-88.1% |
| Participant deferral / active EE | $2,464 | $5,681-56.6% | $6,842-64.0% | $3,740-34.1% |
| Admin fee / account holder | $4,380 | $6,053-27.6% | $9,310-52.9% | $5,306-17.4% |