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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 | $53,924 | $48,011+12.3% | $63,803-15.5% | $82,637-34.7% |
| Participation rate | 22.4% | 66.6%-44.2pp | 72.7%-50.3pp | 68.1%-45.7pp |
| Annual return | 16.21% | 19.84%-3.6pp | 543.72%-527.5pp | 53.51%-37.3pp |
| Employer contribution / active EE | $0 | $1,904-100.0% | $2,532-100.0% | $2,552-100.0% |
| Participant deferral / active EE | $3,604 | $2,846+26.6% | $3,843-6.2% | $4,126-12.7% |
| Admin fee / account holder | $1,045 | $3,873-73.0% | $5,196-79.9% | $7,339-85.8% |