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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 | $25,564 | $50,919-49.8% | $155,556-83.6% | $77,762-67.1% |
| Participation rate | 28.7% | 63.1%-34.4pp | 78.2%-49.6pp | 70.6%-41.9pp |
| Annual return | 13.61% | 34.84%-21.2pp | 64.84%-51.2pp | 31.27%-17.7pp |
| Employer contribution / active EE | $313 | $1,991-84.3% | $4,675-93.3% | $2,728-88.5% |
| Participant deferral / active EE | $1,739 | $2,824-38.4% | $5,631-69.1% | $4,651-62.6% |
| Admin fee / account holder | $1,950 | $437+346.5% | $15,885-87.7% | $433+350.5% |