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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 | $29,228 | $65,034-55.1% | $90,970-67.9% | $79,856-63.4% |
| Participation rate | 48.1% | 61.6%-13.5pp | 69.0%-20.9pp | 69.6%-21.5pp |
| Annual return | 14.32% | 30.45%-16.1pp | 134.60%-120.3pp | 31.71%-17.4pp |
| Employer contribution / active EE | $207 | $1,247-83.4% | $2,122-90.3% | $2,471-91.6% |
| Participant deferral / active EE | $1,493 | $2,512-40.6% | $3,373-55.7% | $3,741-60.1% |
| Admin fee / account holder | $2,081 | $4,536-54.1% | $5,961-65.1% | $5,306-60.8% |