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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 | $52,974 | $59,054-10.3% | $97,197-45.5% | $77,714-31.8% |
| Participation rate | 22.2% | 67.9%-45.7pp | 72.7%-50.5pp | 70.6%-48.4pp |
| Annual return | 13.86% | 16.96%-3.1pp | 75.47%-61.6pp | 31.26%-17.4pp |
| Employer contribution / active EE | $282 | $1,742-83.8% | $2,723-89.7% | $2,727-89.7% |
| Participant deferral / active EE | $1,052 | $3,930-73.2% | $4,263-75.3% | $4,649-77.4% |
| Admin fee / account holder | $2,631 | $346+659.9% | $5,637-53.3% | $433+507.2% |