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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 | $38,277 | $84,936-54.9% | $111,308-65.6% | $79,391-51.8% |
| Participation rate | 47.3% | 75.9%-28.6pp | 77.3%-30.0pp | 70.7%-23.4pp |
| Annual return | 12.15% | 17.45%-5.3pp | 54.67%-42.5pp | 116.88%-104.7pp |
| Employer contribution / active EE | $351 | $1,979-82.3% | $2,732-87.2% | $2,428-85.5% |
| Participant deferral / active EE | $2,468 | $3,888-36.5% | $4,487-45.0% | $4,046-39.0% |
| Admin fee / account holder | $1,231 | $537+129.2% | $7,965-84.5% | $627+96.5% |