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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 | $19,794 | $45,082-56.1% | $69,464-71.5% | $72,975-72.9% |
| Participation rate | 45.9% | 68.5%-22.5pp | 74.6%-28.7pp | 69.5%-23.5pp |
| Annual return | 22.41% | 22.66%-0.3pp | 28.98%-6.6pp | 81.01%-58.6pp |
| Employer contribution / active EE | $116 | $2,055-94.3% | $2,779-95.8% | $2,440-95.2% |
| Participant deferral / active EE | $1,132 | $2,604-56.5% | $3,536-68.0% | $3,608-68.6% |
| Admin fee / account holder | $548 | $3,057-82.1% | $3,840-85.7% | $5,124-89.3% |