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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 | $31,573 | $75,183-58.0% | $123,894-74.5% | $55,167-42.8% |
| Participation rate | 48.8% | 72.8%-24.0pp | 81.4%-32.6pp | 69.0%-20.2pp |
| Annual return | 8.86% | 19.01%-10.1pp | 47.52%-38.7pp | 169.23%-160.4pp |
| Employer contribution / active EE | $203 | $2,823-92.8% | $4,617-95.6% | $1,963-89.6% |
| Participant deferral / active EE | $4,200 | $5,084-17.4% | $5,984-29.8% | $3,054+37.5% |
| Admin fee / account holder | $3,786 | $663+471.4% | $8,357-54.7% | $504+651.3% |