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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 | $22,586 | $29,736-24.0% | $56,033-59.7% | $80,935-72.1% |
| Participation rate | 55.4% | 41.7%+13.7pp | 52.5%+2.9pp | 67.7%-12.3pp |
| Annual return | 18.63% | 35.28%-16.6pp | 1711.38%-1692.7pp | 35.66%-17.0pp |
| Employer contribution / active EE | $0 | $671-100.0% | $1,041-100.0% | $2,757-100.0% |
| Participant deferral / active EE | $1,036 | $1,228-15.6% | $1,954-47.0% | $4,299-75.9% |
| Admin fee / account holder | $3,008 | $2,434+23.6% | $2,827+6.4% | $6,924-56.6% |