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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 | $31,896 | $73,955-56.9% | $96,520-67.0% | $75,181-57.6% |
| Participation rate | 47.6% | 66.4%-18.8pp | 74.3%-26.7pp | 67.2%-19.6pp |
| Annual return | 18.10% | 26.72%-8.6pp | 35.72%-17.6pp | 160.69%-142.6pp |
| Employer contribution / active EE | $14 | $2,930-99.5% | $3,739-99.6% | $2,671-99.5% |
| Participant deferral / active EE | $2,787 | $3,659-23.8% | $4,879-42.9% | $4,126-32.4% |
| Admin fee / account holder | $787 | $5,217-84.9% | $6,733-88.3% | $5,650-86.1% |