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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 | $34,573 | $62,672-44.8% | $185,117-81.3% | $70,126-50.7% |
| Participation rate | 42.9% | 63.8%-20.9pp | 77.3%-34.4pp | 69.5%-26.7pp |
| Annual return | 15.42% | 40.79%-25.4pp | 40.50%-25.1pp | 73.15%-57.7pp |
| Employer contribution / active EE | $196 | $1,753-88.8% | $4,182-95.3% | $2,343-91.6% |
| Participant deferral / active EE | $2,522 | $3,272-22.9% | $5,045-50.0% | $3,332-24.3% |
| Admin fee / account holder | $2,246 | $3,932-42.9% | $8,159-72.5% | $4,645-51.7% |