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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 | $22,832 | $58,258-60.8% | $81,820-72.1% | $80,925-71.8% |
| Participation rate | 29.3% | 63.5%-34.2pp | 72.4%-43.1pp | 67.7%-38.4pp |
| Annual return | 13.49% | 41.76%-28.3pp | 777.93%-764.4pp | 35.65%-22.2pp |
| Employer contribution / active EE | $145 | $2,345-93.8% | $2,915-95.0% | $2,756-94.7% |
| Participant deferral / active EE | $1,452 | $3,284-55.8% | $4,323-66.4% | $4,299-66.2% |
| Admin fee / account holder | $1,264 | $4,976-74.6% | $7,391-82.9% | $6,940-81.8% |