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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 | $56,378 | $98,760-42.9% | $149,715-62.3% | $79,858-29.4% |
| Participation rate | 42.5% | 75.8%-33.3pp | 82.5%-40.0pp | 69.6%-27.1pp |
| Annual return | 25.97% | 27.43%-1.5pp | 276.66%-250.7pp | 31.72%-5.7pp |
| Employer contribution / active EE | $0 | $3,217-100.0% | $4,645-100.0% | $2,471-100.0% |
| Participant deferral / active EE | $4,741 | $5,681-16.5% | $6,842-30.7% | $3,740+26.8% |
| Admin fee / account holder | $3,140 | $6,053-48.1% | $9,310-66.3% | $5,306-40.8% |