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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 | $31,560 | $75,541-58.2% | $152,093-79.2% | $82,637-61.8% |
| Participation rate | 32.0% | 66.5%-34.5pp | 77.8%-45.8pp | 68.1%-36.1pp |
| Annual return | 17.56% | 32.56%-15.0pp | 66.36%-48.8pp | 53.51%-35.9pp |
| Employer contribution / active EE | $269 | $2,622-89.8% | $4,175-93.6% | $2,552-89.5% |
| Participant deferral / active EE | $1,188 | $3,206-62.9% | $5,451-78.2% | $4,126-71.2% |
| Admin fee / account holder | $683 | $6,405-89.3% | $14,497-95.3% | $7,339-90.7% |