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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 | $37,054 | $88,183-58.0% | $107,187-65.4% | $71,012-47.8% |
| Participation rate | 15.2% | 67.5%-52.3pp | 75.0%-59.8pp | 58.6%-43.3pp |
| Annual return | 18.22% | 16.47%+1.7pp | 204.55%-186.3pp | 37.67%-19.4pp |
| Employer contribution / active EE | $360 | $3,914-90.8% | $3,782-90.5% | $2,348-84.7% |
| Participant deferral / active EE | $1,156 | $3,079-62.4% | $5,096-77.3% | $3,246-64.4% |
| Admin fee / account holder | $1,541 | $1,430+7.7% | $9,162-83.2% | $1,167+32.0% |