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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 | $44,592 | $70,666-36.9% | $169,385-73.7% | $75,181-40.7% |
| Participation rate | 50.0% | 64.8%-14.8pp | 77.2%-27.2pp | 67.2%-17.2pp |
| Annual return | 19.62% | 36.37%-16.7pp | 405.82%-386.2pp | 160.69%-141.1pp |
| Employer contribution / active EE | $0 | $2,210-100.0% | $4,012-100.0% | $2,671-100.0% |
| Participant deferral / active EE | $3,786 | $4,308-12.1% | $6,221-39.1% | $4,126-8.2% |
| Admin fee / account holder | $1,123 | $5,402-79.2% | $9,011-87.5% | $5,650-80.1% |