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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 | $48,343 | $54,690-11.6% | $76,030-36.4% | $74,478-35.1% |
| Participation rate | 29.0% | 60.3%-31.4pp | 69.1%-40.1pp | 67.2%-38.3pp |
| Annual return | 17.21% | 31.92%-14.7pp | 361.54%-344.3pp | 1370.56%-1353.4pp |
| Employer contribution / active EE | $156 | $1,781-91.2% | $2,688-94.2% | $2,626-94.1% |
| Participant deferral / active EE | $1,404 | $3,070-54.3% | $4,257-67.0% | $4,350-67.7% |
| Admin fee / account holder | $4,591 | $2,240+105.0% | $6,421-28.5% | $1,946+135.9% |