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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 | $40,959 | $48,050-14.8% | $96,754-57.7% | $64,340-36.3% |
| Participation rate | 16.7% | 40.6%-23.8pp | 70.3%-53.5pp | 55.2%-38.5pp |
| Annual return | 13.97% | 23.41%-9.4pp | 82.04%-68.1pp | 24.14%-10.2pp |
| Employer contribution / active EE | $0 | $1,204-100.0% | $2,679-100.0% | $1,862-100.0% |
| Participant deferral / active EE | $956 | $2,191-56.4% | $4,758-79.9% | $2,980-67.9% |
| Admin fee / account holder | $9,793 | $3,741+161.7% | $8,905+10.0% | $3,703+164.5% |