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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 | $43,310 | $88,672-51.2% | $105,223-58.8% | $82,448-47.5% |
| Participation rate | 36.1% | 67.9%-31.8pp | 75.0%-38.9pp | 68.1%-32.0pp |
| Annual return | 13.24% | 30.86%-17.6pp | 180.65%-167.4pp | 41.64%-28.4pp |
| Employer contribution / active EE | $14 | $3,048-99.5% | $3,689-99.6% | $2,551-99.4% |
| Participant deferral / active EE | $3,113 | $4,036-22.9% | $5,072-38.6% | $4,139-24.8% |
| Admin fee / account holder | $1,938 | $7,146-72.9% | $8,859-78.1% | $7,234-73.2% |