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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 | $19,305 | $78,690-75.5% | $161,489-88.0% | $87,485-77.9% |
| Participation rate | 43.8% | 67.5%-23.7pp | 78.7%-34.9pp | 68.9%-25.2pp |
| Annual return | 37.39% | 32.74%+4.7pp | 89.72%-52.3pp | 26.06%+11.3pp |
| Employer contribution / active EE | $256 | $2,588-90.1% | $4,268-94.0% | $2,596-90.1% |
| Participant deferral / active EE | $1,363 | $3,311-58.8% | $5,630-75.8% | $4,274-68.1% |
| Admin fee / account holder | $3,389 | $6,724-49.6% | $16,006-78.8% | $7,775-56.4% |