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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 | $20,067 | $32,037-37.4% | $69,182-71.0% | $62,881-68.1% |
| Participation rate | 15.6% | 43.4%-27.8pp | 55.1%-39.5pp | 69.3%-53.7pp |
| Annual return | 6.94% | 15.16%-8.2pp | -21.93%+28.9pp | 20.14%-13.2pp |
| Employer contribution / active EE | $61 | $679-91.0% | $1,206-95.0% | $2,281-97.3% |
| Participant deferral / active EE | $676 | $1,185-42.9% | $1,897-64.3% | $3,203-78.9% |
| Admin fee / account holder | $1,731 | $2,608-33.6% | $2,697-35.8% | $4,296-59.7% |