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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 | $71,982 | $70,418+2.2% | $96,570-25.5% | $85,847-16.2% |
| Participation rate | 21.5% | 61.8%-40.3pp | 69.8%-48.3pp | 69.3%-47.8pp |
| Annual return | 31.06% | 18.59%+12.5pp | 37.79%-6.7pp | 318.61%-287.5pp |
| Employer contribution / active EE | $0 | $1,413-100.0% | $2,357-100.0% | $2,565-100.0% |
| Participant deferral / active EE | $3,216 | $2,894+11.1% | $3,849-16.5% | $3,952-18.6% |
| Admin fee / account holder | $7,952 | $4,995+59.2% | $6,182+28.6% | $6,261+27.0% |