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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 | $37,377 | $108,825-65.7% | $156,181-76.1% | $82,448-54.7% |
| Participation rate | 30.4% | 72.4%-42.0pp | 78.8%-48.4pp | 68.1%-37.7pp |
| Annual return | 14.10% | 20.59%-6.5pp | 64.87%-50.8pp | 41.64%-27.5pp |
| Employer contribution / active EE | $722 | $2,870-74.8% | $4,294-83.2% | $2,551-71.7% |
| Participant deferral / active EE | $2,746 | $4,577-40.0% | $6,132-55.2% | $4,139-33.7% |
| Admin fee / account holder | $16,992 | $9,341+81.9% | $14,586+16.5% | $7,234+134.9% |