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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 | $71,421 | $45,152+58.2% | $73,836-3.3% | $59,633+19.8% |
| Participation rate | 42.9% | 64.0%-21.2pp | 73.4%-30.6pp | 68.7%-25.8pp |
| Annual return | 0.48% | 27.40%-26.9pp | 2268.06%-2267.6pp | 2041.45%-2041.0pp |
| Employer contribution / active EE | $0 | $1,901-100.0% | $2,787-100.0% | $2,203-100.0% |
| Participant deferral / active EE | $3,312 | $2,573+28.7% | $3,583-7.6% | $3,192+3.8% |
| Admin fee / account holder | $21,023 | $3,515+498.2% | $4,882+330.6% | $4,297+389.3% |