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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 | $33,652 | $87,132-61.4% | $105,624-68.1% | $80,959-58.4% |
| Participation rate | 52.6% | 70.4%-17.9pp | 75.3%-22.7pp | 67.7%-15.1pp |
| Annual return | 10.45% | 17.03%-6.6pp | 116.20%-105.8pp | 35.67%-25.2pp |
| Employer contribution / active EE | $128 | $2,397-94.7% | $3,168-96.0% | $2,757-95.4% |
| Participant deferral / active EE | $2,082 | $3,985-47.8% | $5,013-58.5% | $4,300-51.6% |
| Admin fee / account holder | $976 | $8,449-88.4% | $10,961-91.1% | $6,925-85.9% |