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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 | $44,600 | $58,275-23.5% | $81,844-45.5% | $80,935-44.9% |
| Participation rate | 46.7% | 63.5%-16.8pp | 72.4%-25.7pp | 67.7%-21.0pp |
| Annual return | 13.93% | 41.82%-27.9pp | 778.87%-764.9pp | 35.66%-21.7pp |
| Employer contribution / active EE | $172 | $2,346-92.7% | $2,916-94.1% | $2,757-93.8% |
| Participant deferral / active EE | $2,886 | $3,285-12.1% | $4,323-33.2% | $4,299-32.9% |
| Admin fee / account holder | $3,758 | $4,749-20.9% | $7,355-48.9% | $6,924-45.7% |