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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 | $36,084 | $93,346-61.3% | $71,796-49.7% | $273,972-86.8% |
| Participation rate | 35.3% | 76.5%-41.2pp | 69.1%-33.8pp | 83.0%-47.7pp |
| Annual return | 6.68% | 130.39%-123.7pp | 78.04%-71.4pp | 41.46%-34.8pp |
| Employer contribution / active EE | $78 | $2,733-97.2% | $1,924-96.0% | $4,869-98.4% |
| Participant deferral / active EE | $0 | $3,475-100.0% | $2,794-100.0% | $5,287-100.0% |
| Admin fee / account holder | $8,215 | $6,571+25.0% | $4,815+70.6% | $10,133-18.9% |