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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 | $19,750 | $68,573-71.2% | $120,368-83.6% | $80,874-75.6% |
| Participation rate | 30.8% | 61.6%-30.8pp | 71.9%-41.1pp | 67.6%-36.9pp |
| Annual return | 13.79% | 23.61%-9.8pp | 107.26%-93.5pp | 35.62%-21.8pp |
| Employer contribution / active EE | $0 | $2,052-100.0% | $3,465-100.0% | $2,756-100.0% |
| Participant deferral / active EE | $1,731 | $3,174-45.5% | $4,991-65.3% | $4,297-59.7% |
| Admin fee / account holder | $982 | $5,734-82.9% | $9,429-89.6% | $6,935-85.8% |