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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 | $106,864-60.7% | $147,318-71.5% | $82,637-49.2% |
| Participation rate | 48.8% | 75.5%-26.7pp | 82.1%-33.3pp | 68.1%-19.3pp |
| Annual return | 41.52% | 27.49%+14.0pp | 70.43%-28.9pp | 53.51%-12.0pp |
| Employer contribution / active EE | $0 | $3,417-100.0% | $4,593-100.0% | $2,552-100.0% |
| Participant deferral / active EE | $2,731 | $6,496-58.0% | $7,906-65.5% | $4,126-33.8% |
| Admin fee / account holder | $12,987 | $8,415+54.3% | $13,708-5.3% | $7,339+77.0% |