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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 | $24,667 | $73,787-66.6% | $98,716-75.0% | $82,448-70.1% |
| Participation rate | 32.3% | 61.4%-29.1pp | 69.3%-37.0pp | 68.1%-35.8pp |
| Annual return | 20.37% | 18.57%+1.8pp | 31.81%-11.4pp | 41.64%-21.3pp |
| Employer contribution / active EE | $0 | $1,511-100.0% | $2,279-100.0% | $2,551-100.0% |
| Participant deferral / active EE | $2,897 | $3,081-6.0% | $4,048-28.4% | $4,139-30.0% |
| Admin fee / account holder | $3,480 | $6,500-46.5% | $8,703-60.0% | $7,234-51.9% |