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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 | $35,012 | $93,598-62.6% | $135,974-74.3% | $75,173-53.4% |
| Participation rate | 44.4% | 75.2%-30.8pp | 81.9%-37.5pp | 67.2%-22.8pp |
| Annual return | 48.43% | 30.89%+17.5pp | 68.30%-19.9pp | 160.72%-112.3pp |
| Employer contribution / active EE | $0 | $3,538-100.0% | $4,859-100.0% | $2,671-100.0% |
| Participant deferral / active EE | $4,306 | $6,405-32.8% | $7,760-44.5% | $4,126+4.4% |
| Admin fee / account holder | $3,674 | $6,978-47.4% | $10,767-65.9% | $5,651-35.0% |