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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 | $72,664 | $86,298-15.8% | $111,308-34.7% | $85,847-15.4% |
| Participation rate | 46.5% | 73.3%-26.8pp | 77.3%-30.8pp | 69.3%-22.8pp |
| Annual return | 15.96% | 19.99%-4.0pp | 54.67%-38.7pp | 318.61%-302.6pp |
| Employer contribution / active EE | $0 | $2,044-100.0% | $2,732-100.0% | $2,565-100.0% |
| Participant deferral / active EE | $1,715 | $3,641-52.9% | $4,487-61.8% | $3,952-56.6% |
| Admin fee / account holder | $1,689 | $8,189-79.4% | $7,965-78.8% | $6,261-73.0% |