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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 | $50,676 | $49,976+1.4% | $66,674-24.0% | $82,637-38.7% |
| Participation rate | 46.3% | 63.1%-16.8pp | 73.7%-27.3pp | 68.1%-21.7pp |
| Annual return | 14.26% | 39.09%-24.8pp | 321.24%-307.0pp | 53.51%-39.2pp |
| Employer contribution / active EE | $0 | $1,988-100.0% | $2,620-100.0% | $2,552-100.0% |
| Participant deferral / active EE | $3,926 | $2,847+37.9% | $4,084-3.9% | $4,126-4.9% |
| Admin fee / account holder | $6,875 | $4,594+49.7% | $5,098+34.9% | $7,339-6.3% |