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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 | $54,213-36.5% | $93,696-63.3% | $77,736-55.7% |
| Participation rate | 26.8% | 64.0%-37.2pp | 68.7%-41.9pp | 70.6%-43.8pp |
| Annual return | 12.01% | 30.55%-18.5pp | 133.74%-121.7pp | 31.26%-19.3pp |
| Employer contribution / active EE | $252 | $1,168-78.4% | $2,422-89.6% | $2,728-90.7% |
| Participant deferral / active EE | $2,068 | $3,145-34.3% | $4,417-53.2% | $4,651-55.5% |
| Admin fee / account holder | $5,729 | $575+896.7% | $8,287-30.9% | $433+1222.2% |