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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 | $27,054 | $51,638-47.6% | $68,368-60.4% | $82,448-67.2% |
| Participation rate | 38.2% | 63.6%-25.4pp | 73.8%-35.5pp | 68.1%-29.8pp |
| Annual return | 23.70% | 37.53%-13.8pp | 292.57%-268.9pp | 41.64%-17.9pp |
| Employer contribution / active EE | $0 | $2,047-100.0% | $2,649-100.0% | $2,551-100.0% |
| Participant deferral / active EE | $4,773 | $2,914+63.8% | $4,123+15.8% | $4,139+15.3% |
| Admin fee / account holder | $1,988 | $4,643-57.2% | $5,150-61.4% | $7,234-72.5% |