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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 | $15,087 | $45,343-66.7% | $150,298-90.0% | $67,986-77.8% |
| Participation rate | 42.3% | 51.9%-9.5pp | 77.8%-35.5pp | 57.2%-14.9pp |
| Annual return | 39.67% | 33.28%+6.4pp | 62.79%-23.1pp | 31.67%+8.0pp |
| Employer contribution / active EE | $0 | $1,462-100.0% | $4,154-100.0% | $2,019-100.0% |
| Participant deferral / active EE | $2,133 | $2,055+3.8% | $5,453-60.9% | $3,358-36.5% |
| Admin fee / account holder | $827 | $2,250-63.2% | $14,116-94.1% | $3,203-74.2% |