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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 | $4,559 | $25,014-81.8% | $69,623-93.5% | $80,935-94.4% |
| Participation rate | 66.7% | 64.2%+2.5pp | 66.4%+0.2pp | 67.7%-1.0pp |
| Annual return | 13.18% | 19.08%-5.9pp | 101.23%-88.1pp | 35.66%-22.5pp |
| Employer contribution / active EE | $1 | $991-99.9% | $1,709-100.0% | $2,757-100.0% |
| Participant deferral / active EE | $2,898 | $1,840+57.5% | $2,890+0.3% | $4,299-32.6% |
| Admin fee / account holder | $1,227 | $2,491-50.7% | $4,696-73.9% | $6,924-82.3% |