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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 | $36,603 | $75,541-51.5% | $152,093-75.9% | $82,637-55.7% |
| Participation rate | 31.9% | 66.5%-34.6pp | 77.8%-45.8pp | 68.1%-36.1pp |
| Annual return | 14.43% | 32.56%-18.1pp | 66.36%-51.9pp | 53.51%-39.1pp |
| Employer contribution / active EE | $291 | $2,622-88.9% | $4,175-93.0% | $2,552-88.6% |
| Participant deferral / active EE | $1,445 | $3,206-54.9% | $5,451-73.5% | $4,126-65.0% |
| Admin fee / account holder | $2,980 | $6,405-53.5% | $14,497-79.4% | $7,339-59.4% |