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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 | $29,083 | $78,428-62.9% | $95,960-69.7% | $79,852-63.6% |
| Participation rate | 58.1% | 73.5%-15.4pp | 77.1%-18.9pp | 69.6%-11.5pp |
| Annual return | 11.41% | 19.37%-8.0pp | 91.63%-80.2pp | 31.72%-20.3pp |
| Employer contribution / active EE | $311 | $1,945-84.0% | $2,541-87.8% | $2,471-87.4% |
| Participant deferral / active EE | $1,895 | $3,440-44.9% | $4,167-54.5% | $3,740-49.3% |
| Admin fee / account holder | $4,928 | $5,622-12.4% | $6,797-27.5% | $5,306-7.1% |