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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 | $16,731 | $81,276-79.4% | $155,574-89.2% | $80,925-79.3% |
| Participation rate | 40.6% | 66.2%-25.6pp | 78.2%-37.6pp | 67.7%-27.0pp |
| Annual return | 12.95% | 33.36%-20.4pp | 64.87%-51.9pp | 35.65%-22.7pp |
| Employer contribution / active EE | $0 | $3,103-100.0% | $4,676-100.0% | $2,756-100.0% |
| Participant deferral / active EE | $1,267 | $3,453-63.3% | $5,629-77.5% | $4,299-70.5% |
| Admin fee / account holder | $399 | $7,993-95.0% | $15,914-97.5% | $6,940-94.3% |