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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 | $22,882 | $49,763-54.0% | $70,565-67.6% | $74,473-69.3% |
| Participation rate | 26.9% | 64.6%-37.8pp | 68.4%-41.5pp | 70.7%-43.9pp |
| Annual return | 18.62% | 21.21%-2.6pp | 32.79%-14.2pp | 34.36%-15.7pp |
| Employer contribution / active EE | $347 | $1,776-80.5% | $2,976-88.3% | $2,638-86.9% |
| Participant deferral / active EE | $1,335 | $3,379-60.5% | $4,568-70.8% | $4,530-70.5% |
| Admin fee / account holder | $1,598 | $316+405.5% | $6,430-75.1% | $347+360.5% |