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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 | $31,500 | $38,365-17.9% | $84,623-62.8% | $65,185-51.7% |
| Participation rate | 33.0% | 55.7%-22.6pp | 68.2%-35.2pp | 70.2%-37.2pp |
| Annual return | 20.55% | 32.00%-11.4pp | 258.77%-238.2pp | 29.38%-8.8pp |
| Employer contribution / active EE | $0 | $1,258-100.0% | $2,652-100.0% | $2,177-100.0% |
| Participant deferral / active EE | $4,231 | $2,278+85.7% | $3,899+8.5% | $3,514+20.4% |
| Admin fee / account holder | $2,169 | $451+380.7% | $4,913-55.8% | $847+156.1% |