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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 | $48,851 | $45,343+7.7% | $150,298-67.5% | $67,986-28.1% |
| Participation rate | 22.8% | 51.9%-29.0pp | 77.8%-54.9pp | 57.2%-34.4pp |
| Annual return | 40.52% | 33.28%+7.2pp | 62.79%-22.3pp | 31.67%+8.9pp |
| Employer contribution / active EE | $0 | $1,462-100.0% | $4,154-100.0% | $2,019-100.0% |
| Participant deferral / active EE | $1,175 | $2,055-42.8% | $5,453-78.4% | $3,358-65.0% |
| Admin fee / account holder | $1,221 | $2,250-45.7% | $14,116-91.4% | $3,203-61.9% |