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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 | $24,781 | $56,121-55.8% | $92,985-73.3% | $64,340-61.5% |
| Participation rate | 39.8% | 44.9%-5.2pp | 69.5%-29.7pp | 55.2%-15.5pp |
| Annual return | 14.38% | 19.19%-4.8pp | 27.99%-13.6pp | 24.14%-9.8pp |
| Employer contribution / active EE | $207 | $1,351-84.7% | $2,662-92.2% | $1,862-88.9% |
| Participant deferral / active EE | $1,838 | $2,362-22.2% | $4,377-58.0% | $2,980-38.3% |
| Admin fee / account holder | $5,583 | $6,869-18.7% | $9,463-41.0% | $3,703+50.8% |