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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 | $22,813 | $41,016-44.4% | $152,093-85.0% | $64,097-64.4% |
| Participation rate | 36.6% | 51.3%-14.8pp | 77.8%-41.2pp | 55.2%-18.6pp |
| Annual return | 27.38% | 39.60%-12.2pp | 66.36%-39.0pp | 34.64%-7.3pp |
| Employer contribution / active EE | $172 | $1,342-87.2% | $4,175-95.9% | $1,891-90.9% |
| Participant deferral / active EE | $0 | $1,927-100.0% | $5,451-100.0% | $3,080-100.0% |
| Admin fee / account holder | $1,352 | $2,305-41.4% | $14,497-90.7% | $3,454-60.9% |