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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 | $33,291 | $65,084-48.8% | $67,681-50.8% | $64,340-48.3% |
| Participation rate | 43.1% | 66.7%-23.6pp | 73.7%-30.6pp | 55.2%-12.1pp |
| Annual return | 12.12% | 20.50%-8.4pp | 590.58%-578.5pp | 24.14%-12.0pp |
| Employer contribution / active EE | $517 | $2,398-78.5% | $2,678-80.7% | $1,862-72.2% |
| Participant deferral / active EE | $1,117 | $3,210-65.2% | $3,976-71.9% | $2,980-62.5% |
| Admin fee / account holder | $2,004 | $1,415+41.6% | $6,100-67.1% | $3,703-45.9% |