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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 | $41,495 | $52,519-21.0% | $155,789-73.4% | $59,633-30.4% |
| Participation rate | 34.4% | 61.7%-27.3pp | 76.1%-41.7pp | 68.7%-34.3pp |
| Annual return | 1.16% | 53.51%-52.4pp | 71.54%-70.4pp | 2041.45%-2040.3pp |
| Employer contribution / active EE | $0 | $1,589-100.0% | $3,839-100.0% | $2,203-100.0% |
| Participant deferral / active EE | $1,166 | $3,084-62.2% | $4,798-75.7% | $3,192-63.5% |
| Admin fee / account holder | $781 | $3,540-77.9% | $7,477-89.6% | $4,297-81.8% |