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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 | $59,093-10.4% | $97,295-45.6% | $77,762-31.9% |
| Participation rate | 22.2% | 67.8%-45.5pp | 72.7%-50.4pp | 70.6%-48.4pp |
| Annual return | 13.86% | 16.93%-3.1pp | 75.62%-61.8pp | 31.27%-17.4pp |
| Employer contribution / active EE | $282 | $1,727-83.7% | $2,723-89.7% | $2,728-89.7% |
| Participant deferral / active EE | $1,052 | $3,901-73.0% | $4,264-75.3% | $4,651-77.4% |
| Admin fee / account holder | $2,631 | $346+659.9% | $5,646-53.4% | $433+507.7% |