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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 | $49,152 | $45,566+7.9% | $64,105-23.3% | $59,632-17.6% |
| Participation rate | 43.2% | 60.2%-16.9pp | 68.2%-24.9pp | 68.7%-25.4pp |
| Annual return | 0.68% | 4.95%-4.3pp | 791.24%-790.6pp | 2041.32%-2040.6pp |
| Employer contribution / active EE | $0 | $934-100.0% | $1,820-100.0% | $2,203-100.0% |
| Participant deferral / active EE | $2,413 | $2,057+17.3% | $2,822-14.5% | $3,192-24.4% |
| Admin fee / account holder | $17,032 | $3,268+421.3% | $4,499+278.5% | $4,297+296.4% |