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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 | $48,372 | $53,128-9.0% | $86,582-44.1% | $70,126-31.0% |
| Participation rate | 16.1% | 65.3%-49.2pp | 73.5%-57.5pp | 69.5%-53.5pp |
| Annual return | 13.40% | 27.66%-14.3pp | 965.08%-951.7pp | 73.15%-59.7pp |
| Employer contribution / active EE | $0 | $2,068-100.0% | $2,839-100.0% | $2,343-100.0% |
| Participant deferral / active EE | $938 | $2,695-65.2% | $3,609-74.0% | $3,332-71.8% |
| Admin fee / account holder | $7,419 | $3,584+107.0% | $4,904+51.3% | $4,645+59.7% |