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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 | $26,551 | $46,072-42.4% | $69,779-61.9% | $55,167-51.9% |
| Participation rate | 36.1% | 67.5%-31.3pp | 71.8%-35.7pp | 69.0%-32.9pp |
| Annual return | 9.42% | 8.68%+0.7pp | 12.99%-3.6pp | 169.23%-159.8pp |
| Employer contribution / active EE | $147 | $1,500-90.2% | $2,338-93.7% | $1,963-92.5% |
| Participant deferral / active EE | $1,882 | $2,344-19.7% | $2,931-35.8% | $3,054-38.4% |
| Admin fee / account holder | $1,312 | $428+206.9% | $4,381-70.0% | $504+160.4% |