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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 | $38,268 | $48,364-20.9% | $71,796-46.7% | $62,881-39.1% |
| Participation rate | 63.4% | 60.6%+2.8pp | 69.1%-5.7pp | 69.3%-5.9pp |
| Annual return | 9.54% | 13.16%-3.6pp | 78.04%-68.5pp | 20.14%-10.6pp |
| Employer contribution / active EE | $0 | $1,042-100.0% | $1,924-100.0% | $2,281-100.0% |
| Participant deferral / active EE | $1,144 | $2,091-45.3% | $2,794-59.0% | $3,203-64.3% |
| Admin fee / account holder | $563 | $3,771-85.1% | $4,815-88.3% | $4,296-86.9% |