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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 | $27,582 | $47,848-42.4% | $81,473-66.1% | $70,126-60.7% |
| Participation rate | 12.7% | 58.3%-45.5pp | 68.0%-55.2pp | 69.5%-56.8pp |
| Annual return | 21.71% | 27.25%-5.5pp | 38.78%-17.1pp | 73.15%-51.4pp |
| Employer contribution / active EE | $194 | $1,527-87.3% | $2,568-92.5% | $2,343-91.7% |
| Participant deferral / active EE | $764 | $2,453-68.9% | $3,537-78.4% | $3,332-77.1% |
| Admin fee / account holder | $1,532 | $3,145-51.3% | $4,561-66.4% | $4,645-67.0% |