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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 | $31,830 | $55,437-42.6% | $155,534-79.5% | $74,459-57.3% |
| Participation rate | 41.5% | 61.9%-20.4pp | 78.2%-36.7pp | 67.2%-25.7pp |
| Annual return | 35.94% | 269.58%-233.6pp | 64.92%-29.0pp | 1369.70%-1333.8pp |
| Employer contribution / active EE | $249 | $2,266-89.0% | $4,675-94.7% | $2,626-90.5% |
| Participant deferral / active EE | $2,321 | $2,837-18.2% | $5,630-58.8% | $4,350-46.6% |
| Admin fee / account holder | $2,392 | $1,742+37.3% | $15,900-85.0% | $1,945+23.0% |