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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 | $40,787 | $58,275-30.0% | $81,844-50.2% | $80,935-49.6% |
| Participation rate | 51.3% | 63.5%-12.2pp | 72.4%-21.1pp | 67.7%-16.4pp |
| Annual return | 14.79% | 41.82%-27.0pp | 778.87%-764.1pp | 35.66%-20.9pp |
| Employer contribution / active EE | $0 | $2,346-100.0% | $2,916-100.0% | $2,757-100.0% |
| Participant deferral / active EE | $4,056 | $3,285+23.5% | $4,323-6.2% | $4,299-5.7% |
| Admin fee / account holder | $12,231 | $4,749+157.6% | $7,355+66.3% | $6,924+76.6% |