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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 | $22,985 | $61,338-62.5% | $149,717-84.6% | $71,495-67.9% |
| Participation rate | 20.2% | 62.5%-42.4pp | 78.8%-58.6pp | 67.9%-47.8pp |
| Annual return | 13.40% | 35.86%-22.5pp | 134.41%-121.0pp | 28.85%-15.5pp |
| Employer contribution / active EE | $324 | $2,381-86.4% | $4,820-93.3% | $2,589-87.5% |
| Participant deferral / active EE | $964 | $2,919-67.0% | $5,682-83.0% | $4,291-77.5% |
| Admin fee / account holder | $1,438 | $1,263+13.9% | $13,213-89.1% | $1,588-9.4% |