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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 | $44,793 | $102,429-56.3% | $147,096-69.5% | $80,925-44.6% |
| Participation rate | 17.6% | 75.9%-58.2pp | 82.2%-64.5pp | 67.7%-50.0pp |
| Annual return | 20.32% | 135.02%-114.7pp | 419.75%-399.4pp | 35.65%-15.3pp |
| Employer contribution / active EE | $0 | $3,716-100.0% | $4,936-100.0% | $2,756-100.0% |
| Participant deferral / active EE | $4,115 | $6,649-38.1% | $8,071-49.0% | $4,299-4.3% |
| Admin fee / account holder | $14,833 | $7,957+86.4% | $13,005+14.1% | $6,940+113.7% |