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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 | $42,963 | $45,343-5.2% | $150,298-71.4% | $67,986-36.8% |
| Participation rate | 16.9% | 51.9%-34.9pp | 77.8%-60.8pp | 57.2%-40.3pp |
| Annual return | 15.29% | 33.28%-18.0pp | 62.79%-47.5pp | 31.67%-16.4pp |
| Employer contribution / active EE | $0 | $1,462-100.0% | $4,154-100.0% | $2,019-100.0% |
| Participant deferral / active EE | $1,579 | $2,055-23.1% | $5,453-71.0% | $3,358-53.0% |
| Admin fee / account holder | $4,211 | $2,250+87.2% | $14,116-70.2% | $3,203+31.5% |