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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 | $52,581-56.4% | $130,788-82.5% | $64,340-64.3% |
| Participation rate | 39.4% | 46.5%-7.2pp | 70.1%-30.7pp | 55.2%-15.9pp |
| Annual return | 15.77% | 20.39%-4.6pp | 386.44%-370.7pp | 24.14%-8.4pp |
| Employer contribution / active EE | $129 | $1,031-87.5% | $3,558-96.4% | $1,862-93.1% |
| Participant deferral / active EE | $888 | $2,200-59.6% | $4,137-78.5% | $2,980-70.2% |
| Admin fee / account holder | $4,252 | $4,583-7.2% | $6,673-36.3% | $3,703+14.9% |