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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 | $26,185 | $89,652-70.8% | $141,177-81.5% | $65,185-59.8% |
| Participation rate | 54.5% | 74.7%-20.2pp | 82.5%-27.9pp | 70.2%-15.7pp |
| Annual return | 24.36% | 32.79%-8.4pp | 71.40%-47.0pp | 29.38%-5.0pp |
| Employer contribution / active EE | $374 | $3,065-87.8% | $4,736-92.1% | $2,177-82.8% |
| Participant deferral / active EE | $5,026 | $5,691-11.7% | $6,710-25.1% | $3,514+43.0% |
| Admin fee / account holder | $4,390 | $569+672.1% | $10,263-57.2% | $847+418.1% |