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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 | $21,097 | $55,684-62.1% | $75,900-72.2% | $72,976-71.1% |
| Participation rate | 58.5% | 61.1%-2.6pp | 69.3%-10.8pp | 69.5%-11.0pp |
| Annual return | 22.31% | 27.60%-5.3pp | 30.73%-8.4pp | 81.02%-58.7pp |
| Employer contribution / active EE | $271 | $1,687-83.9% | $2,501-89.2% | $2,440-88.9% |
| Participant deferral / active EE | $1,557 | $2,634-40.9% | $3,604-56.8% | $3,608-56.9% |
| Admin fee / account holder | $977 | $3,981-75.5% | $5,421-82.0% | $5,124-80.9% |