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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 | $31,236 | $101,302-69.2% | $149,600-79.1% | $82,637-62.2% |
| Participation rate | 52.3% | 72.5%-20.2pp | 77.2%-24.9pp | 68.1%-15.8pp |
| Annual return | 20.46% | 21.39%-0.9pp | 129.59%-109.1pp | 53.51%-33.0pp |
| Employer contribution / active EE | $224 | $3,099-92.8% | $4,193-94.7% | $2,552-91.2% |
| Participant deferral / active EE | $2,739 | $5,589-51.0% | $7,203-62.0% | $4,126-33.6% |
| Admin fee / account holder | $4,037 | $8,449-52.2% | $13,963-71.1% | $7,339-45.0% |