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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 | $35,991 | $48,011-25.0% | $63,803-43.6% | $82,637-56.4% |
| Participation rate | 53.6% | 66.6%-13.0pp | 72.7%-19.1pp | 68.1%-14.5pp |
| Annual return | 17.44% | 19.84%-2.4pp | 543.72%-526.3pp | 53.51%-36.1pp |
| Employer contribution / active EE | $0 | $1,904-100.0% | $2,532-100.0% | $2,552-100.0% |
| Participant deferral / active EE | $3,044 | $2,846+6.9% | $3,843-20.8% | $4,126-26.2% |
| Admin fee / account holder | $2,746 | $3,873-29.1% | $5,196-47.2% | $7,339-62.6% |