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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 | $34,422 | $54,193-36.5% | $93,669-63.3% | $77,714-55.7% |
| Participation rate | 26.8% | 63.9%-37.1pp | 68.7%-41.9pp | 70.6%-43.8pp |
| Annual return | 12.01% | 30.54%-18.5pp | 133.59%-121.6pp | 31.26%-19.2pp |
| Employer contribution / active EE | $252 | $1,168-78.4% | $2,424-89.6% | $2,727-90.7% |
| Participant deferral / active EE | $2,068 | $3,144-34.2% | $4,416-53.2% | $4,649-55.5% |
| Admin fee / account holder | $5,729 | $576+895.4% | $8,291-30.9% | $433+1222.3% |