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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 | $43,013 | $85,169-49.5% | $172,755-75.1% | $72,983-41.1% |
| Participation rate | 47.7% | 70.1%-22.4pp | 82.6%-35.0pp | 69.5%-21.8pp |
| Annual return | 23.90% | 27.32%-3.4pp | 802.94%-779.0pp | 81.01%-57.1pp |
| Employer contribution / active EE | $0 | $3,324-100.0% | $5,144-100.0% | $2,440-100.0% |
| Participant deferral / active EE | $2,901 | $3,260-11.0% | $5,198-44.2% | $3,608-19.6% |
| Admin fee / account holder | $3,109 | $5,880-47.1% | $13,955-77.7% | $5,124-39.3% |