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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 | $39,805 | $81,331-51.1% | $155,534-74.4% | $80,935-50.8% |
| Participation rate | 27.5% | 66.3%-38.8pp | 78.2%-50.8pp | 67.7%-40.2pp |
| Annual return | 13.41% | 33.37%-20.0pp | 64.92%-51.5pp | 35.66%-22.3pp |
| Employer contribution / active EE | $128 | $3,105-95.9% | $4,675-97.3% | $2,757-95.3% |
| Participant deferral / active EE | $1,505 | $3,454-56.4% | $5,630-73.3% | $4,299-65.0% |
| Admin fee / account holder | $781 | $7,999-90.2% | $15,900-95.1% | $6,924-88.7% |