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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 | $31,323 | $98,776-68.3% | $149,745-79.1% | $79,856-60.8% |
| Participation rate | 47.8% | 75.8%-28.0pp | 82.5%-34.7pp | 69.6%-21.8pp |
| Annual return | 12.72% | 27.38%-14.7pp | 276.72%-264.0pp | 31.71%-19.0pp |
| Employer contribution / active EE | $72 | $3,217-97.8% | $4,646-98.5% | $2,471-97.1% |
| Participant deferral / active EE | $3,104 | $5,681-45.4% | $6,843-54.6% | $3,741-17.0% |
| Admin fee / account holder | $1,408 | $6,053-76.7% | $9,312-84.9% | $5,306-73.5% |