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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 | $21,156 | $39,132-45.9% | $57,196-63.0% | $62,881-66.4% |
| Participation rate | 39.3% | 70.5%-31.2pp | 75.3%-36.0pp | 69.3%-30.0pp |
| Annual return | 6.41% | 9.24%-2.8pp | 14.59%-8.2pp | 20.14%-13.7pp |
| Employer contribution / active EE | $129 | $1,874-93.1% | $2,683-95.2% | $2,281-94.3% |
| Participant deferral / active EE | $883 | $2,374-62.8% | $3,096-71.5% | $3,203-72.4% |
| Admin fee / account holder | $523 | $2,594-79.8% | $3,141-83.3% | $4,296-87.8% |