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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 | $26,414 | $58,868-55.1% | $191,597-86.2% | $64,097-58.8% |
| Participation rate | 27.4% | 50.0%-22.6pp | 76.9%-49.5pp | 55.2%-27.8pp |
| Annual return | 15.70% | 31.54%-15.8pp | 27.07%-11.4pp | 34.64%-18.9pp |
| Employer contribution / active EE | $487 | $2,243-78.3% | $5,025-90.3% | $1,891-74.2% |
| Participant deferral / active EE | $1,451 | $3,724-61.0% | $6,850-78.8% | $3,080-52.9% |
| Admin fee / account holder | $6,097 | $4,871+25.1% | $22,799-73.3% | $3,454+76.5% |