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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 | $89,546 | $93,346-4.1% | $71,796+24.7% | $273,972-67.3% |
| Participation rate | 40.9% | 76.5%-35.6pp | 69.1%-28.2pp | 83.0%-42.1pp |
| Annual return | 4.90% | 130.39%-125.5pp | 78.04%-73.1pp | 41.46%-36.6pp |
| Employer contribution / active EE | $0 | $2,733-100.0% | $1,924-100.0% | $4,869-100.0% |
| Participant deferral / active EE | $3,137 | $3,475-9.7% | $2,794+12.3% | $5,287-40.7% |
| Admin fee / account holder | $2,308 | $6,571-64.9% | $4,815-52.1% | $10,133-77.2% |