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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 | $55,737 | $73,459-24.1% | $178,528-68.8% | $74,429-25.1% |
| Participation rate | 23.7% | 66.5%-42.8pp | 77.1%-53.4pp | 67.2%-43.5pp |
| Annual return | 22.89% | 17.50%+5.4pp | 27.11%-4.2pp | 1368.38%-1345.5pp |
| Employer contribution / active EE | $0 | $2,219-100.0% | $3,950-100.0% | $2,625-100.0% |
| Participant deferral / active EE | $2,147 | $4,515-52.4% | $6,278-65.8% | $4,348-50.6% |
| Admin fee / account holder | $4,440 | $1,812+145.0% | $10,419-57.4% | $1,944+128.4% |