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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 | $35,228 | $51,638-31.8% | $68,368-48.5% | $82,448-57.3% |
| Participation rate | 40.0% | 63.6%-23.6pp | 73.8%-33.8pp | 68.1%-28.1pp |
| Annual return | 16.65% | 37.53%-20.9pp | 292.57%-275.9pp | 41.64%-25.0pp |
| Employer contribution / active EE | $175 | $2,047-91.5% | $2,649-93.4% | $2,551-93.1% |
| Participant deferral / active EE | $1,532 | $2,914-47.4% | $4,123-62.8% | $4,139-63.0% |
| Admin fee / account holder | $361 | $4,643-92.2% | $5,150-93.0% | $7,234-95.0% |