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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 | $19,971 | $49,255-59.5% | $70,494-71.7% | $79,856-75.0% |
| Participation rate | 59.5% | 69.2%-9.7pp | 75.1%-15.6pp | 69.6%-10.2pp |
| Annual return | 19.28% | 30.10%-10.8pp | 109.16%-89.9pp | 31.71%-12.4pp |
| Employer contribution / active EE | $0 | $2,100-100.0% | $2,738-100.0% | $2,471-100.0% |
| Participant deferral / active EE | $3,145 | $2,768+13.6% | $3,711-15.2% | $3,741-15.9% |
| Admin fee / account holder | $3,138 | $2,879+9.0% | $3,848-18.5% | $5,306-40.9% |