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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 | $19,982 | $43,496-54.1% | $161,489-87.6% | $64,340-68.9% |
| Participation rate | 19.6% | 53.5%-34.0pp | 78.7%-59.1pp | 55.2%-35.7pp |
| Annual return | 12.27% | 20.76%-8.5pp | 89.72%-77.4pp | 24.14%-11.9pp |
| Employer contribution / active EE | $235 | $1,431-83.6% | $4,268-94.5% | $1,862-87.4% |
| Participant deferral / active EE | $734 | $1,996-63.2% | $5,630-87.0% | $2,980-75.4% |
| Admin fee / account holder | $2,794 | $2,330+19.9% | $16,006-82.5% | $3,703-24.5% |