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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 | $24,870 | $45,087-44.8% | $69,483-64.2% | $72,976-65.9% |
| Participation rate | 41.4% | 68.5%-27.0pp | 74.6%-33.2pp | 69.5%-28.1pp |
| Annual return | 27.98% | 22.67%+5.3pp | 28.99%-1.0pp | 81.02%-53.0pp |
| Employer contribution / active EE | $269 | $2,055-86.9% | $2,780-90.3% | $2,440-89.0% |
| Participant deferral / active EE | $1,661 | $2,603-36.2% | $3,537-53.0% | $3,608-53.9% |
| Admin fee / account holder | $940 | $3,057-69.3% | $3,841-75.5% | $5,124-81.7% |