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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 | $44,413 | $51,638-14.0% | $68,368-35.0% | $82,448-46.1% |
| Participation rate | 23.4% | 63.6%-40.2pp | 73.8%-50.3pp | 68.1%-44.7pp |
| Annual return | 26.41% | 37.53%-11.1pp | 292.57%-266.2pp | 41.64%-15.2pp |
| Employer contribution / active EE | $0 | $2,047-100.0% | $2,649-100.0% | $2,551-100.0% |
| Participant deferral / active EE | $3,161 | $2,914+8.5% | $4,123-23.3% | $4,139-23.6% |
| Admin fee / account holder | $378 | $4,643-91.9% | $5,150-92.7% | $7,234-94.8% |