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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 | $18,655 | $53,774-65.3% | $134,162-86.1% | $79,852-76.6% |
| Participation rate | 31.9% | 58.8%-26.9pp | 72.2%-40.3pp | 69.6%-37.8pp |
| Annual return | 38.04% | 19.01%+19.0pp | 36.35%+1.7pp | 31.72%+6.3pp |
| Employer contribution / active EE | $194 | $1,322-85.3% | $3,705-94.8% | $2,471-92.1% |
| Participant deferral / active EE | $1,127 | $2,420-53.4% | $3,500-67.8% | $3,740-69.9% |
| Admin fee / account holder | $1,045 | $3,985-73.8% | $6,685-84.4% | $5,306-80.3% |