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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 | $46,504 | $64,324-27.7% | $118,914-60.9% | $79,856-41.8% |
| Participation rate | 26.9% | 64.9%-37.9pp | 75.4%-48.5pp | 69.6%-42.7pp |
| Annual return | 36.32% | 86.45%-50.1pp | 35.89%+0.4pp | 31.71%+4.6pp |
| Employer contribution / active EE | $0 | $1,836-100.0% | $3,264-100.0% | $2,471-100.0% |
| Participant deferral / active EE | $3,470 | $2,824+22.9% | $4,266-18.6% | $3,741-7.2% |
| Admin fee / account holder | $8,381 | $4,040+107.5% | $6,582+27.3% | $5,306+57.9% |