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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 | $37,135 | $78,690-52.8% | $161,489-77.0% | $87,485-57.6% |
| Participation rate | 43.0% | 67.5%-24.4pp | 78.7%-35.7pp | 68.9%-25.9pp |
| Annual return | 16.58% | 32.74%-16.2pp | 89.72%-73.1pp | 26.06%-9.5pp |
| Employer contribution / active EE | $237 | $2,588-90.8% | $4,268-94.4% | $2,596-90.9% |
| Participant deferral / active EE | $2,350 | $3,311-29.0% | $5,630-58.3% | $4,274-45.0% |
| Admin fee / account holder | $4,087 | $6,724-39.2% | $16,006-74.5% | $7,775-47.4% |