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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 | $21,145 | $43,496-51.4% | $161,489-86.9% | $64,340-67.1% |
| Participation rate | 18.0% | 53.5%-35.5pp | 78.7%-60.7pp | 55.2%-37.2pp |
| Annual return | 18.95% | 20.76%-1.8pp | 89.72%-70.8pp | 24.14%-5.2pp |
| Employer contribution / active EE | $254 | $1,431-82.2% | $4,268-94.0% | $1,862-86.4% |
| Participant deferral / active EE | $1,008 | $1,996-49.5% | $5,630-82.1% | $2,980-66.2% |
| Admin fee / account holder | $413 | $2,330-82.3% | $16,006-97.4% | $3,703-88.8% |