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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 | $43,412 | $83,369-47.9% | $105,223-58.7% | $67,986-36.1% |
| Participation rate | 42.4% | 56.3%-13.9pp | 75.0%-32.7pp | 57.2%-14.9pp |
| Annual return | 28.35% | 24.64%+3.7pp | 180.65%-152.3pp | 31.67%-3.3pp |
| Employer contribution / active EE | $0 | $2,541-100.0% | $3,689-100.0% | $2,019-100.0% |
| Participant deferral / active EE | $6,870 | $3,295+108.5% | $5,072+35.5% | $3,358+104.6% |
| Admin fee / account holder | $1,757 | $4,073-56.9% | $8,859-80.2% | $3,203-45.1% |