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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 | $14,201 | $41,824-66.0% | $136,833-89.6% | $69,733-79.6% |
| Participation rate | 38.2% | 29.3%+8.9pp | 59.0%-20.8pp | 62.5%-24.2pp |
| Annual return | 12.00% | 13.53%-1.5pp | 35.32%-23.3pp | 15.22%-3.2pp |
| Employer contribution / active EE | $0 | $494-100.0% | $1,319-100.0% | $2,250-100.0% |
| Participant deferral / active EE | $1,521 | $1,105+37.7% | $2,441-37.7% | $3,054-50.2% |
| Admin fee / account holder | $2,708 | $2,895-6.5% | $4,706-42.5% | $3,102-12.7% |