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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 | $23,214 | $52,884-56.1% | $84,753-72.6% | $55,167-57.9% |
| Participation rate | 47.1% | 67.5%-20.4pp | 76.6%-29.5pp | 69.0%-21.9pp |
| Annual return | 6.99% | 18.03%-11.0pp | 22.78%-15.8pp | 169.23%-162.2pp |
| Employer contribution / active EE | $326 | $2,233-85.4% | $3,574-90.9% | $1,963-83.4% |
| Participant deferral / active EE | $2,924 | $2,644+10.6% | $3,712-21.2% | $3,054-4.3% |
| Admin fee / account holder | $591 | $581+1.8% | $5,333-88.9% | $504+17.3% |