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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 | $51,208 | $61,338-16.5% | $149,717-65.8% | $71,495-28.4% |
| Participation rate | 40.0% | 62.5%-22.5pp | 78.8%-38.8pp | 67.9%-27.9pp |
| Annual return | 20.49% | 35.86%-15.4pp | 134.41%-113.9pp | 28.85%-8.4pp |
| Employer contribution / active EE | $0 | $2,381-100.0% | $4,820-100.0% | $2,589-100.0% |
| Participant deferral / active EE | $3,126 | $2,919+7.1% | $5,682-45.0% | $4,291-27.1% |
| Admin fee / account holder | $2,954 | $1,263+133.9% | $13,213-77.6% | $1,588+86.1% |