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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 | $41,725 | $49,976-16.5% | $66,674-37.4% | $82,637-49.5% |
| Participation rate | 33.3% | 63.1%-29.8pp | 73.7%-40.3pp | 68.1%-34.7pp |
| Annual return | 14.88% | 39.09%-24.2pp | 321.24%-306.4pp | 53.51%-38.6pp |
| Employer contribution / active EE | $0 | $1,988-100.0% | $2,620-100.0% | $2,552-100.0% |
| Participant deferral / active EE | $2,828 | $2,847-0.6% | $4,084-30.7% | $4,126-31.5% |
| Admin fee / account holder | $7,167 | $4,594+56.0% | $5,098+40.6% | $7,339-2.3% |