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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 | $24,478 | $59,328-58.7% | $118,946-79.4% | $73,493-66.7% |
| Participation rate | 58.5% | 62.3%-3.8pp | 75.4%-16.9pp | 70.7%-12.2pp |
| Annual return | 67.13% | 19.13%+48.0pp | 35.89%+31.2pp | 28.51%+38.6pp |
| Employer contribution / active EE | $0 | $1,803-100.0% | $3,263-100.0% | $2,270-100.0% |
| Participant deferral / active EE | $7,487 | $2,604+187.5% | $4,266+75.5% | $3,740+100.2% |
| Admin fee / account holder | $3,326 | $600+454.1% | $6,581-49.5% | $513+548.3% |