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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 | $37,956 | $101,795-62.7% | $165,100-77.0% | $80,959-53.1% |
| Participation rate | 25.0% | 71.8%-46.8pp | 78.6%-53.6pp | 67.7%-42.7pp |
| Annual return | 52.22% | 16.73%+35.5pp | 70.21%-18.0pp | 35.67%+16.6pp |
| Employer contribution / active EE | $446 | $2,954-84.9% | $4,348-89.7% | $2,757-83.8% |
| Participant deferral / active EE | $2,526 | $4,476-43.6% | $6,035-58.2% | $4,300-41.3% |
| Admin fee / account holder | $3,107 | $8,221-62.2% | $12,696-75.5% | $6,925-55.1% |