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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 | $29,183 | $49,199-40.7% | $121,210-75.9% | $75,177-61.2% |
| Participation rate | 47.7% | 55.4%-7.7pp | 69.5%-21.9pp | 67.2%-19.5pp |
| Annual return | 19.66% | 56.04%-36.4pp | 987.41%-967.8pp | 160.75%-141.1pp |
| Employer contribution / active EE | $0 | $1,547-100.0% | $4,171-100.0% | $2,671-100.0% |
| Participant deferral / active EE | $1,245 | $2,630-52.7% | $4,084-69.5% | $4,126-69.8% |
| Admin fee / account holder | $8,568 | $3,946+117.1% | $5,647+51.7% | $5,651+51.6% |