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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 | $25,526 | $76,407-66.6% | $150,298-83.0% | $82,448-69.0% |
| Participation rate | 39.0% | 66.4%-27.4pp | 77.8%-38.7pp | 68.1%-29.0pp |
| Annual return | 89.37% | 39.99%+49.4pp | 62.79%+26.6pp | 41.64%+47.7pp |
| Employer contribution / active EE | $0 | $2,614-100.0% | $4,154-100.0% | $2,551-100.0% |
| Participant deferral / active EE | $1,213 | $3,214-62.3% | $5,453-77.8% | $4,139-70.7% |
| Admin fee / account holder | $19,407 | $6,352+205.5% | $14,116+37.5% | $7,234+168.3% |