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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 | $5,805 | $28,601-79.7% | $71,702-91.9% | $66,930-91.3% |
| Participation rate | 50.0% | 56.7%-6.7pp | 62.3%-12.3pp | 69.8%-19.8pp |
| Annual return | 23.16% | -10.90%+34.1pp | 9.14%+14.0pp | 1.57%+21.6pp |
| Employer contribution / active EE | $0 | $1,104-100.0% | $1,704-100.0% | $2,545-100.0% |
| Participant deferral / active EE | $3,251 | $1,912+70.1% | $2,658+22.3% | $4,238-23.3% |
| Admin fee / account holder | $727 | $506+43.6% | $3,974-81.7% | $593+22.5% |