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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 | $14,516 | $76,407-81.0% | $150,298-90.3% | $82,448-82.4% |
| Participation rate | 31.0% | 66.4%-35.4pp | 77.8%-46.7pp | 68.1%-37.0pp |
| Annual return | 19.40% | 39.99%-20.6pp | 62.79%-43.4pp | 41.64%-22.2pp |
| Employer contribution / active EE | $277 | $2,614-89.4% | $4,154-93.3% | $2,551-89.1% |
| Participant deferral / active EE | $835 | $3,214-74.0% | $5,453-84.7% | $4,139-79.8% |
| Admin fee / account holder | $1,237 | $6,352-80.5% | $14,116-91.2% | $7,234-82.9% |