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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 | $35,022 | $49,164-28.8% | $121,169-71.1% | $75,181-53.4% |
| Participation rate | 19.3% | 55.4%-36.1pp | 69.5%-50.2pp | 67.2%-47.9pp |
| Annual return | 20.27% | 56.03%-35.8pp | 986.71%-966.4pp | 160.69%-140.4pp |
| Employer contribution / active EE | $160 | $1,546-89.7% | $4,168-96.2% | $2,671-94.0% |
| Participant deferral / active EE | $1,318 | $2,628-49.8% | $4,083-67.7% | $4,126-68.0% |
| Admin fee / account holder | $790 | $3,942-80.0% | $5,645-86.0% | $5,650-86.0% |