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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 | $44,461 | $48,053-7.5% | $84,637-47.5% | $72,976-39.1% |
| Participation rate | 22.0% | 57.6%-35.6pp | 68.2%-46.3pp | 69.5%-47.5pp |
| Annual return | 39.09% | 37.39%+1.7pp | 258.82%-219.7pp | 81.02%-41.9pp |
| Employer contribution / active EE | $75 | $1,602-95.3% | $2,653-97.2% | $2,440-96.9% |
| Participant deferral / active EE | $957 | $2,681-64.3% | $3,900-75.5% | $3,608-73.5% |
| Admin fee / account holder | $4,941 | $3,395+45.5% | $4,914+0.5% | $5,124-3.6% |