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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 | $23,674 | $45,050-47.4% | $63,018-62.4% | $70,126-66.2% |
| Participation rate | 38.9% | 69.5%-30.6pp | 74.8%-35.9pp | 69.5%-30.6pp |
| Annual return | 33.64% | 18.76%+14.9pp | 87.62%-54.0pp | 73.15%-39.5pp |
| Employer contribution / active EE | $211 | $2,052-89.7% | $2,761-92.4% | $2,343-91.0% |
| Participant deferral / active EE | $1,119 | $2,466-54.6% | $3,330-66.4% | $3,332-66.4% |
| Admin fee / account holder | $4,438 | $2,834+56.6% | $3,601+23.3% | $4,645-4.5% |