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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 | $30,081 | $65,027-53.7% | $90,970-66.9% | $79,852-62.3% |
| Participation rate | 30.6% | 61.6%-31.1pp | 69.0%-38.5pp | 69.6%-39.1pp |
| Annual return | 14.40% | 30.45%-16.0pp | 134.58%-120.2pp | 31.72%-17.3pp |
| Employer contribution / active EE | $202 | $1,247-83.8% | $2,122-90.5% | $2,471-91.8% |
| Participant deferral / active EE | $1,347 | $2,512-46.4% | $3,373-60.1% | $3,740-64.0% |
| Admin fee / account holder | $477 | $4,535-89.5% | $5,960-92.0% | $5,306-91.0% |