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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 | $17,379 | $63,845-72.8% | $81,370-78.6% | $80,959-78.5% |
| Participation rate | 40.6% | 63.9%-23.3pp | 69.5%-28.9pp | 67.7%-27.0pp |
| Annual return | 10.96% | 16.37%-5.4pp | 24.85%-13.9pp | 35.67%-24.7pp |
| Employer contribution / active EE | $297 | $1,980-85.0% | $2,464-88.0% | $2,757-89.2% |
| Participant deferral / active EE | $1,863 | $3,093-39.8% | $3,885-52.0% | $4,300-56.7% |
| Admin fee / account holder | $960 | $5,688-83.1% | $5,749-83.3% | $6,925-86.1% |