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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 | $61,494 | $78,705-21.9% | $117,857-47.8% | $70,131-12.3% |
| Participation rate | 49.3% | 73.2%-23.9pp | 79.7%-30.4pp | 69.5%-20.3pp |
| Annual return | 13.48% | 23.30%-9.8pp | 335.09%-321.6pp | 73.14%-59.7pp |
| Employer contribution / active EE | $0 | $2,223-100.0% | $3,786-100.0% | $2,342-100.0% |
| Participant deferral / active EE | $3,349 | $3,297+1.6% | $4,482-25.3% | $3,332+0.5% |
| Admin fee / account holder | $19,026 | $5,065+275.6% | $8,020+137.2% | $4,645+309.6% |