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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 | $18,460 | $78,690-76.5% | $161,489-88.6% | $87,485-78.9% |
| Participation rate | 46.2% | 67.5%-21.3pp | 78.7%-32.5pp | 68.9%-22.8pp |
| Annual return | 13.23% | 32.74%-19.5pp | 89.72%-76.5pp | 26.06%-12.8pp |
| Employer contribution / active EE | $281 | $2,588-89.1% | $4,268-93.4% | $2,596-89.2% |
| Participant deferral / active EE | $1,638 | $3,311-50.5% | $5,630-70.9% | $4,274-61.7% |
| Admin fee / account holder | $573 | $6,724-91.5% | $16,006-96.4% | $7,775-92.6% |