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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 | $14,513 | $75,541-80.8% | $152,093-90.5% | $82,637-82.4% |
| Participation rate | 34.6% | 66.5%-31.9pp | 77.8%-43.2pp | 68.1%-33.4pp |
| Annual return | 14.32% | 32.56%-18.2pp | 66.36%-52.0pp | 53.51%-39.2pp |
| Employer contribution / active EE | $57 | $2,622-97.8% | $4,175-98.6% | $2,552-97.8% |
| Participant deferral / active EE | $1,318 | $3,206-58.9% | $5,451-75.8% | $4,126-68.0% |
| Admin fee / account holder | $1,261 | $6,405-80.3% | $14,497-91.3% | $7,339-82.8% |