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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 | $26,343 | $46,072-42.8% | $69,779-62.2% | $55,167-52.2% |
| Participation rate | 50.0% | 67.5%-17.5pp | 71.8%-21.8pp | 69.0%-19.0pp |
| Annual return | 6.21% | 8.68%-2.5pp | 12.99%-6.8pp | 169.23%-163.0pp |
| Employer contribution / active EE | $99 | $1,500-93.4% | $2,338-95.8% | $1,963-95.0% |
| Participant deferral / active EE | $1,417 | $2,344-39.5% | $2,931-51.6% | $3,054-53.6% |
| Admin fee / account holder | $915 | $428+113.9% | $4,381-79.1% | $504+81.5% |