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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 | $42,196 | $51,096-17.4% | $100,712-58.1% | $71,012-40.6% |
| Participation rate | 19.1% | 47.0%-27.8pp | 69.3%-50.1pp | 58.6%-39.4pp |
| Annual return | 13.30% | 16.42%-3.1pp | 33.27%-20.0pp | 37.67%-24.4pp |
| Employer contribution / active EE | $23 | $1,127-98.0% | $2,313-99.0% | $2,348-99.0% |
| Participant deferral / active EE | $1,622 | $1,937-16.3% | $4,085-60.3% | $3,246-50.0% |
| Admin fee / account holder | $9,792 | $2,179+349.3% | $9,256+5.8% | $1,167+738.9% |