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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 | $35,005 | $78,423-55.4% | $95,964-63.5% | $79,856-56.2% |
| Participation rate | 44.3% | 73.5%-29.2pp | 77.1%-32.8pp | 69.6%-25.4pp |
| Annual return | 11.42% | 19.37%-8.0pp | 91.64%-80.2pp | 31.71%-20.3pp |
| Employer contribution / active EE | $220 | $1,945-88.7% | $2,541-91.3% | $2,471-91.1% |
| Participant deferral / active EE | $1,861 | $3,440-45.9% | $4,167-55.3% | $3,741-50.2% |
| Admin fee / account holder | $3,252 | $5,622-42.2% | $6,797-52.2% | $5,306-38.7% |