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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 | $12,994 | $75,541-82.8% | $152,093-91.5% | $82,637-84.3% |
| Participation rate | 28.8% | 66.5%-37.7pp | 77.8%-48.9pp | 68.1%-39.2pp |
| Annual return | 18.39% | 32.56%-14.2pp | 66.36%-48.0pp | 53.51%-35.1pp |
| Employer contribution / active EE | $0 | $2,622-100.0% | $4,175-100.0% | $2,552-100.0% |
| Participant deferral / active EE | $1,285 | $3,206-59.9% | $5,451-76.4% | $4,126-68.9% |
| Admin fee / account holder | $663 | $6,405-89.6% | $14,497-95.4% | $7,339-91.0% |