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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 | $38,580 | $81,208-52.5% | $98,920-61.0% | $79,852-51.7% |
| Participation rate | 46.9% | 72.5%-25.6pp | 76.0%-29.2pp | 69.6%-22.8pp |
| Annual return | 11.94% | 60.99%-49.1pp | 196.47%-184.5pp | 31.72%-19.8pp |
| Employer contribution / active EE | -$35 | $1,960-101.8% | $2,689-101.3% | $2,471-101.4% |
| Participant deferral / active EE | $2,986 | $3,265-8.5% | $4,245-29.7% | $3,740-20.2% |
| Admin fee / account holder | $4,009 | $6,013-33.3% | $6,643-39.6% | $5,306-24.4% |