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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 | $54,956 | $78,428-29.9% | $95,960-42.7% | $79,852-31.2% |
| Participation rate | 43.5% | 73.5%-30.0pp | 77.1%-33.6pp | 69.6%-26.2pp |
| Annual return | 39.07% | 19.37%+19.7pp | 91.63%-52.6pp | 31.72%+7.4pp |
| Employer contribution / active EE | $0 | $1,945-100.0% | $2,541-100.0% | $2,471-100.0% |
| Participant deferral / active EE | $8,446 | $3,440+145.5% | $4,167+102.7% | $3,740+125.8% |
| Admin fee / account holder | $4,495 | $5,622-20.1% | $6,797-33.9% | $5,306-15.3% |