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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 | $25,174 | $88,707-71.6% | $74,184-66.1% | $273,972-90.8% |
| Participation rate | 52.6% | 79.4%-26.8pp | 76.6%-24.0pp | 83.0%-30.4pp |
| Annual return | 27.46% | 11.94%+15.5pp | 17.74%+9.7pp | 41.46%-14.0pp |
| Employer contribution / active EE | $226 | $3,159-92.8% | $2,370-90.5% | $4,869-95.4% |
| Participant deferral / active EE | $2,069 | $4,212-50.9% | $3,550-41.7% | $5,287-60.9% |
| Admin fee / account holder | $1,553 | $8,717-82.2% | $5,586-72.2% | $10,133-84.7% |