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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 | $18,825 | $47,180-60.1% | $149,723-87.4% | $74,473-74.7% |
| Participation rate | 28.8% | 63.4%-34.6pp | 78.8%-50.0pp | 70.7%-42.0pp |
| Annual return | 17.87% | 22.75%-4.9pp | 134.50%-116.6pp | 34.36%-16.5pp |
| Employer contribution / active EE | $162 | $1,907-91.5% | $4,821-96.6% | $2,638-93.8% |
| Participant deferral / active EE | $1,549 | $2,730-43.3% | $5,682-72.7% | $4,530-65.8% |
| Admin fee / account holder | $1,718 | $343+400.7% | $13,215-87.0% | $347+395.0% |