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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 | $45,375 | $93,589-51.5% | $135,942-66.6% | $75,181-39.6% |
| Participation rate | 63.0% | 75.2%-12.2pp | 81.9%-19.0pp | 67.2%-4.2pp |
| Annual return | 43.85% | 30.90%+12.9pp | 68.28%-24.4pp | 160.69%-116.8pp |
| Employer contribution / active EE | $0 | $3,537-100.0% | $4,858-100.0% | $2,671-100.0% |
| Participant deferral / active EE | $16,193 | $6,405+152.8% | $7,759+108.7% | $4,126+292.5% |
| Admin fee / account holder | $10,350 | $6,977+48.3% | $10,764-3.8% | $5,650+83.2% |