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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 | $19,305 | $41,016-52.9% | $152,093-87.3% | $64,097-69.9% |
| Participation rate | 23.1% | 51.3%-28.3pp | 77.8%-54.7pp | 55.2%-32.1pp |
| Annual return | 14.19% | 39.60%-25.4pp | 66.36%-52.2pp | 34.64%-20.5pp |
| Employer contribution / active EE | $102 | $1,342-92.4% | $4,175-97.6% | $1,891-94.6% |
| Participant deferral / active EE | $613 | $1,927-68.2% | $5,451-88.8% | $3,080-80.1% |
| Admin fee / account holder | $2,625 | $2,305+13.9% | $14,497-81.9% | $3,454-24.0% |