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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 | $41,929 | $73,978-43.3% | $96,515-56.6% | $75,173-44.2% |
| Participation rate | 35.8% | 66.4%-30.6pp | 74.3%-38.5pp | 67.2%-31.4pp |
| Annual return | 13.31% | 26.72%-13.4pp | 35.73%-22.4pp | 160.72%-147.4pp |
| Employer contribution / active EE | $352 | $2,931-88.0% | $3,740-90.6% | $2,671-86.8% |
| Participant deferral / active EE | $2,962 | $3,660-19.1% | $4,880-39.3% | $4,126-28.2% |
| Admin fee / account holder | $3,551 | $5,219-32.0% | $6,735-47.3% | $5,651-37.2% |