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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 | $21,349 | $72,177-70.4% | $115,038-81.4% | $59,633-64.2% |
| Participation rate | 64.5% | 72.6%-8.0pp | 81.4%-16.9pp | 68.7%-4.2pp |
| Annual return | 0.60% | 12.02%-11.4pp | 26.14%-25.5pp | 2041.45%-2040.9pp |
| Employer contribution / active EE | $292 | $2,841-89.7% | $4,608-93.7% | $2,203-86.7% |
| Participant deferral / active EE | $2,936 | $4,783-38.6% | $6,026-51.3% | $3,192-8.0% |
| Admin fee / account holder | $745 | $4,927-84.9% | $8,175-90.9% | $4,297-82.7% |