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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 | $38,902 | $83,369-53.3% | $105,223-63.0% | $67,986-42.8% |
| Participation rate | 24.2% | 56.3%-32.0pp | 75.0%-50.8pp | 57.2%-33.0pp |
| Annual return | 17.67% | 24.64%-7.0pp | 180.65%-163.0pp | 31.67%-14.0pp |
| Employer contribution / active EE | $0 | $2,541-100.0% | $3,689-100.0% | $2,019-100.0% |
| Participant deferral / active EE | $1,450 | $3,295-56.0% | $5,072-71.4% | $3,358-56.8% |
| Admin fee / account holder | $4,190 | $4,073+2.9% | $8,859-52.7% | $3,203+30.8% |