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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 | $60,039 | $77,677-22.7% | $109,173-45.0% | $79,391-24.4% |
| Participation rate | 19.5% | 67.8%-48.3pp | 75.9%-56.4pp | 70.7%-51.2pp |
| Annual return | 22.84% | 23.44%-0.6pp | 25.75%-2.9pp | 116.88%-94.0pp |
| Employer contribution / active EE | $16 | $2,798-99.4% | $3,723-99.6% | $2,428-99.3% |
| Participant deferral / active EE | $1,612 | $3,517-54.2% | $4,654-65.4% | $4,046-60.2% |
| Admin fee / account holder | $7,755 | $732+958.7% | $6,755+14.8% | $627+1137.8% |