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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 | $27,948 | $62,672-55.4% | $185,117-84.9% | $70,126-60.1% |
| Participation rate | 37.5% | 63.8%-26.3pp | 77.3%-39.8pp | 69.5%-32.0pp |
| Annual return | 13.70% | 40.79%-27.1pp | 40.50%-26.8pp | 73.15%-59.4pp |
| Employer contribution / active EE | $8 | $1,753-99.5% | $4,182-99.8% | $2,343-99.7% |
| Participant deferral / active EE | $2,015 | $3,272-38.4% | $5,045-60.1% | $3,332-39.5% |
| Admin fee / account holder | $1,749 | $3,932-55.5% | $8,159-78.6% | $4,645-62.3% |