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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 | $23,859 | $45,343-47.4% | $150,298-84.1% | $67,986-64.9% |
| Participation rate | 14.2% | 51.9%-37.7pp | 77.8%-63.6pp | 57.2%-43.0pp |
| Annual return | 18.51% | 33.28%-14.8pp | 62.79%-44.3pp | 31.67%-13.2pp |
| Employer contribution / active EE | $100 | $1,462-93.1% | $4,154-97.6% | $2,019-95.0% |
| Participant deferral / active EE | $877 | $2,055-57.3% | $5,453-83.9% | $3,358-73.9% |
| Admin fee / account holder | $1,988 | $2,250-11.6% | $14,116-85.9% | $3,203-37.9% |