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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 | $26,677 | $34,316-22.3% | $74,722-64.3% | $72,975-63.4% |
| Participation rate | 23.7% | 42.4%-18.7pp | 54.5%-30.7pp | 69.5%-45.8pp |
| Annual return | 19.39% | 26.58%-7.2pp | 753.11%-733.7pp | 81.01%-61.6pp |
| Employer contribution / active EE | $84 | $692-87.8% | $1,084-92.2% | $2,440-96.5% |
| Participant deferral / active EE | $462 | $1,272-63.6% | $1,963-76.4% | $3,608-87.2% |
| Admin fee / account holder | $3,269 | $2,125+53.9% | $3,335-2.0% | $5,124-36.2% |