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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 | $30,381 | $39,036-22.2% | $80,784-62.4% | $85,851-64.6% |
| Participation rate | 53.1% | 41.6%+11.6pp | 54.2%-1.0pp | 69.3%-16.2pp |
| Annual return | 14.25% | 26.31%-12.1pp | 87.31%-73.1pp | 318.63%-304.4pp |
| Employer contribution / active EE | $0 | $722-100.0% | $1,160-100.0% | $2,565-100.0% |
| Participant deferral / active EE | $958 | $1,326-27.8% | $2,145-55.4% | $3,952-75.8% |
| Admin fee / account holder | $961 | $2,429-60.4% | $3,380-71.6% | $6,261-84.7% |