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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 | $32,674 | $47,479-31.2% | $62,929-48.1% | $82,448-60.4% |
| Participation rate | 41.5% | 66.9%-25.4pp | 73.1%-31.6pp | 68.1%-26.6pp |
| Annual return | 13.93% | 20.34%-6.4pp | 1063.93%-1050.0pp | 41.64%-27.7pp |
| Employer contribution / active EE | $273 | $1,885-85.5% | $2,505-89.1% | $2,551-89.3% |
| Participant deferral / active EE | $1,342 | $2,870-53.3% | $3,888-65.5% | $4,139-67.6% |
| Admin fee / account holder | $2,054 | $3,804-46.0% | $5,065-59.4% | $7,234-71.6% |