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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 | $41,951 | $106,749-60.7% | $145,433-71.2% | $82,448-49.1% |
| Participation rate | 48.8% | 75.6%-26.9pp | 82.1%-33.3pp | 68.1%-19.3pp |
| Annual return | 41.52% | 27.59%+13.9pp | 66.58%-25.1pp | 41.64%-0.1pp |
| Employer contribution / active EE | $0 | $3,444-100.0% | $4,554-100.0% | $2,551-100.0% |
| Participant deferral / active EE | $2,731 | $6,519-58.1% | $7,897-65.4% | $4,139-34.0% |
| Admin fee / account holder | $12,987 | $8,390+54.8% | $13,129-1.1% | $7,234+79.5% |