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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 | $18,312 | $53,596-65.8% | $90,657-79.8% | $64,173-71.5% |
| Participation rate | 41.0% | 64.5%-23.5pp | 74.0%-33.0pp | 69.6%-28.5pp |
| Annual return | -6.08% | 4.41%-10.5pp | 1.89%-8.0pp | 7.63%-13.7pp |
| Employer contribution / active EE | $146 | $1,503-90.3% | $2,532-94.2% | $2,381-93.9% |
| Participant deferral / active EE | $1,087 | $2,459-55.8% | $3,424-68.3% | $3,470-68.7% |
| Admin fee / account holder | $1,024 | $3,868-73.5% | $4,994-79.5% | $4,887-79.1% |