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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 | $21,436 | $37,436-42.7% | $77,513-72.3% | $79,858-73.2% |
| Participation rate | 25.3% | 41.5%-16.2pp | 54.2%-28.9pp | 69.6%-44.3pp |
| Annual return | 28.20% | 39.75%-11.6pp | 54.81%-26.6pp | 31.72%-3.5pp |
| Employer contribution / active EE | $72 | $637-88.6% | $987-92.7% | $2,471-97.1% |
| Participant deferral / active EE | $389 | $1,261-69.2% | $1,861-79.1% | $3,740-89.6% |
| Admin fee / account holder | $1,868 | $2,505-25.4% | $2,859-34.6% | $5,306-64.8% |