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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 | $20,931 | $49,199-57.5% | $121,210-82.7% | $75,177-72.2% |
| Participation rate | 46.6% | 55.4%-8.9pp | 69.5%-23.0pp | 67.2%-20.6pp |
| Annual return | 20.36% | 56.04%-35.7pp | 987.41%-967.1pp | 160.75%-140.4pp |
| Employer contribution / active EE | $0 | $1,547-100.0% | $4,171-100.0% | $2,671-100.0% |
| Participant deferral / active EE | $4,004 | $2,630+52.3% | $4,084-1.9% | $4,126-3.0% |
| Admin fee / account holder | $2,196 | $3,946-44.3% | $5,647-61.1% | $5,651-61.1% |