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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 | $25,935 | $59,839-56.7% | $81,991-68.4% | $79,852-67.5% |
| Participation rate | 27.1% | 61.6%-34.6pp | 69.3%-42.2pp | 69.6%-42.6pp |
| Annual return | 18.36% | 17.56%+0.8pp | 41.31%-22.9pp | 31.72%-13.4pp |
| Employer contribution / active EE | $171 | $1,713-90.0% | $2,498-93.2% | $2,471-93.1% |
| Participant deferral / active EE | $1,039 | $2,695-61.5% | $3,722-72.1% | $3,740-72.2% |
| Admin fee / account holder | $858 | $4,287-80.0% | $5,665-84.9% | $5,306-83.8% |