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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 | $25,858 | $48,050-46.2% | $85,969-69.9% | $59,633-56.6% |
| Participation rate | 41.9% | 64.5%-22.5pp | 76.5%-34.6pp | 68.7%-26.7pp |
| Annual return | 14.81% | 0.29%+14.5pp | 9.32%+5.5pp | 2041.45%-2026.6pp |
| Employer contribution / active EE | $238 | $1,640-85.5% | $3,474-93.2% | $2,203-89.2% |
| Participant deferral / active EE | $1,319 | $2,249-41.3% | $3,829-65.5% | $3,192-58.7% |
| Admin fee / account holder | $2,768 | $3,206-13.7% | $6,053-54.3% | $4,297-35.6% |