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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 | $56,112 | $105,210-46.7% | $159,487-64.8% | $85,851-34.6% |
| Participation rate | 41.2% | 75.8%-34.6pp | 82.8%-41.7pp | 69.3%-28.1pp |
| Annual return | 15.54% | 45.08%-29.5pp | 263.71%-248.2pp | 318.63%-303.1pp |
| Employer contribution / active EE | $302 | $3,319-90.9% | $4,831-93.8% | $2,565-88.2% |
| Participant deferral / active EE | $3,582 | $5,946-39.8% | $7,354-51.3% | $3,952-9.4% |
| Admin fee / account holder | $1,219 | $6,934-82.4% | $10,804-88.7% | $6,261-80.5% |