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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 | $58,528 | $53,063+10.3% | $124,206-52.9% | $82,637-29.2% |
| Participation rate | 38.5% | 58.4%-19.9pp | 69.6%-31.1pp | 68.1%-29.6pp |
| Annual return | 14.10% | 68.87%-54.8pp | 515.27%-501.2pp | 53.51%-39.4pp |
| Employer contribution / active EE | $250 | $1,530-83.7% | $3,540-92.9% | $2,552-90.2% |
| Participant deferral / active EE | $1,245 | $2,644-52.9% | $3,968-68.6% | $4,126-69.8% |
| Admin fee / account holder | $2,186 | $4,281-48.9% | $5,929-63.1% | $7,339-70.2% |