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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 | $40,009 | $34,316+16.6% | $74,722-46.5% | $72,975-45.2% |
| Participation rate | 19.5% | 42.4%-22.9pp | 54.5%-35.0pp | 69.5%-50.0pp |
| Annual return | 21.29% | 26.58%-5.3pp | 753.11%-731.8pp | 81.01%-59.7pp |
| Employer contribution / active EE | $0 | $692-100.0% | $1,084-100.0% | $2,440-100.0% |
| Participant deferral / active EE | $1,071 | $1,272-15.8% | $1,963-45.4% | $3,608-70.3% |
| Admin fee / account holder | $3,996 | $2,125+88.1% | $3,335+19.8% | $5,124-22.0% |