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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 | $27,806 | $57,763-51.9% | $112,228-75.2% | $71,529-61.1% |
| Participation rate | 19.6% | 58.9%-39.3pp | 72.4%-52.8pp | 67.9%-48.3pp |
| Annual return | 14.01% | 18.26%-4.2pp | 30.23%-16.2pp | 28.97%-15.0pp |
| Employer contribution / active EE | $211 | $1,916-89.0% | $3,432-93.8% | $2,590-91.9% |
| Participant deferral / active EE | $1,078 | $2,865-62.4% | $4,800-77.5% | $4,291-74.9% |
| Admin fee / account holder | $4,913 | $1,563+214.4% | $7,752-36.6% | $1,588+209.3% |