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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 | $13,171 | $29,051-54.7% | $52,425-74.9% | $67,986-80.6% |
| Participation rate | 9.8% | 30.4%-20.6pp | 55.6%-45.8pp | 57.2%-47.4pp |
| Annual return | 17.75% | 24.00%-6.2pp | 302.12%-284.4pp | 31.67%-13.9pp |
| Employer contribution / active EE | $0 | $412-100.0% | $914-100.0% | $2,019-100.0% |
| Participant deferral / active EE | $751 | $873-14.0% | $1,790-58.1% | $3,358-77.6% |
| Admin fee / account holder | $5,552 | $2,113+162.8% | $2,495+122.5% | $3,203+73.3% |