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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 | $29,814 | $93,345-68.1% | $119,126-75.0% | $87,485-65.9% |
| Participation rate | 31.6% | 68.7%-37.2pp | 75.8%-44.2pp | 68.9%-37.4pp |
| Annual return | 14.87% | 19.08%-4.2pp | 282.11%-267.2pp | 26.06%-11.2pp |
| Employer contribution / active EE | $484 | $3,172-84.7% | $4,034-88.0% | $2,596-81.4% |
| Participant deferral / active EE | $1,847 | $4,099-54.9% | $5,318-65.3% | $4,274-56.8% |
| Admin fee / account holder | $3,975 | $8,039-50.6% | $10,693-62.8% | $7,775-48.9% |