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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 | $13,674 | $46,599-70.7% | $64,101-78.7% | $75,173-81.8% |
| Participation rate | 22.7% | 65.9%-43.2pp | 72.3%-49.6pp | 67.2%-44.5pp |
| Annual return | 35.66% | 26.06%+9.6pp | 33.72%+1.9pp | 160.72%-125.1pp |
| Employer contribution / active EE | $102 | $1,975-94.8% | $2,749-96.3% | $2,671-96.2% |
| Participant deferral / active EE | $1,658 | $2,837-41.6% | $3,881-57.3% | $4,126-59.8% |
| Admin fee / account holder | $4,931 | $2,956+66.8% | $3,070+60.6% | $5,651-12.7% |