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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 | $20,859 | $57,590-63.8% | $86,233-75.8% | $82,448-74.7% |
| Participation rate | 19.8% | 57.9%-38.1pp | 69.0%-49.3pp | 68.1%-48.3pp |
| Annual return | 26.92% | 22.41%+4.5pp | 61.39%-34.5pp | 41.64%-14.7pp |
| Employer contribution / active EE | $212 | $1,655-87.2% | $2,504-91.5% | $2,551-91.7% |
| Participant deferral / active EE | $1,634 | $3,080-46.9% | $4,559-64.2% | $4,139-60.5% |
| Admin fee / account holder | $331 | $4,730-93.0% | $8,342-96.0% | $7,234-95.4% |