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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 | $26,578 | $96,236-72.4% | $136,072-80.5% | $80,935-67.2% |
| Participation rate | 51.6% | 71.2%-19.6pp | 76.4%-24.8pp | 67.7%-16.0pp |
| Annual return | 14.77% | 28.74%-14.0pp | 580.46%-565.7pp | 35.66%-20.9pp |
| Employer contribution / active EE | $414 | $3,350-87.6% | $4,216-90.2% | $2,757-85.0% |
| Participant deferral / active EE | $4,425 | $5,709-22.5% | $7,028-37.0% | $4,299+2.9% |
| Admin fee / account holder | $1,480 | $8,250-82.1% | $6,718-78.0% | $6,924-78.6% |