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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 | $23,823 | $50,554-52.9% | $67,681-64.8% | $87,485-72.8% |
| Participation rate | 27.6% | 67.7%-40.1pp | 73.7%-46.1pp | 68.9%-41.3pp |
| Annual return | 14.97% | 17.81%-2.8pp | 590.58%-575.6pp | 26.06%-11.1pp |
| Employer contribution / active EE | $367 | $1,988-81.6% | $2,678-86.3% | $2,596-85.9% |
| Participant deferral / active EE | $1,613 | $2,961-45.5% | $3,976-59.4% | $4,274-62.3% |
| Admin fee / account holder | $2,064 | $4,132-50.1% | $6,100-66.2% | $7,775-73.5% |