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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 | $50,223 | $91,179-44.9% | $178,499-71.9% | $79,852-37.1% |
| Participation rate | 50.7% | 69.2%-18.5pp | 81.9%-31.2pp | 69.6%-18.9pp |
| Annual return | 16.75% | 24.19%-7.4pp | 151.10%-134.4pp | 31.72%-15.0pp |
| Employer contribution / active EE | $0 | $3,256-100.0% | $5,011-100.0% | $2,471-100.0% |
| Participant deferral / active EE | $2,808 | $3,236-13.2% | $5,202-46.0% | $3,740-24.9% |
| Admin fee / account holder | $1,989 | $6,749-70.5% | $13,986-85.8% | $5,306-62.5% |