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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 | $22,940 | $51,736-55.7% | $120,225-80.9% | $67,986-66.3% |
| Participation rate | 39.4% | 46.1%-6.7pp | 69.6%-30.2pp | 57.2%-17.8pp |
| Annual return | 15.77% | 31.98%-16.2pp | 439.23%-423.5pp | 31.67%-15.9pp |
| Employer contribution / active EE | $129 | $1,071-87.9% | $3,475-96.3% | $2,019-93.6% |
| Participant deferral / active EE | $888 | $2,206-59.7% | $3,999-77.8% | $3,358-73.6% |
| Admin fee / account holder | $4,252 | $4,159+2.2% | $5,696-25.3% | $3,203+32.8% |