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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 | $25,944 | $44,746-42.0% | $88,179-70.6% | $64,097-59.5% |
| Participation rate | 22.7% | 39.8%-17.2pp | 69.1%-46.5pp | 55.2%-32.5pp |
| Annual return | 20.08% | 24.70%-4.6pp | 64.97%-44.9pp | 34.64%-14.6pp |
| Employer contribution / active EE | $5 | $1,078-99.5% | $2,549-99.8% | $1,891-99.7% |
| Participant deferral / active EE | $4,486 | $2,072+116.5% | $4,614-2.8% | $3,080+45.7% |
| Admin fee / account holder | $6,242 | $3,437+81.6% | $7,673-18.6% | $3,454+80.7% |