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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 | $44,859 | $85,171-47.3% | $172,752-74.0% | $72,975-38.5% |
| Participation rate | 42.0% | 70.1%-28.0pp | 82.6%-40.6pp | 69.5%-27.5pp |
| Annual return | 23.13% | 27.32%-4.2pp | 802.97%-779.8pp | 81.01%-57.9pp |
| Employer contribution / active EE | $0 | $3,324-100.0% | $5,144-100.0% | $2,440-100.0% |
| Participant deferral / active EE | $2,474 | $3,260-24.1% | $5,198-52.4% | $3,608-31.4% |
| Admin fee / account holder | $396 | $5,880-93.3% | $13,955-97.2% | $5,124-92.3% |