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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 | $26,031 | $52,580-50.5% | $71,671-63.7% | $70,126-62.9% |
| Participation rate | 38.5% | 60.9%-22.4pp | 68.7%-30.3pp | 69.5%-31.1pp |
| Annual return | 12.36% | 20.25%-7.9pp | 20.65%-8.3pp | 73.15%-60.8pp |
| Employer contribution / active EE | $142 | $1,616-91.2% | $2,460-94.2% | $2,343-93.9% |
| Participant deferral / active EE | $963 | $2,386-59.6% | $3,438-72.0% | $3,332-71.1% |
| Admin fee / account holder | $366 | $3,653-90.0% | $5,558-93.4% | $4,645-92.1% |