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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 | $22,715 | $49,177-53.8% | $79,476-71.4% | $64,181-64.6% |
| Participation rate | 45.2% | 65.0%-19.9pp | 73.3%-28.2pp | 69.6%-24.4pp |
| Annual return | 26.21% | -1.16%+27.4pp | 718.21%-692.0pp | 7.63%+18.6pp |
| Employer contribution / active EE | $0 | $2,076-100.0% | $2,800-100.0% | $2,381-100.0% |
| Participant deferral / active EE | $2,618 | $2,821-7.2% | $3,704-29.3% | $3,470-24.5% |
| Admin fee / account holder | $4,742 | $3,839+23.5% | $5,113-7.3% | $4,887-3.0% |