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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 | $26,172 | $52,581-50.2% | $130,788-80.0% | $64,340-59.3% |
| Participation rate | 24.8% | 46.5%-21.7pp | 70.1%-45.3pp | 55.2%-30.4pp |
| Annual return | 17.49% | 20.39%-2.9pp | 386.44%-368.9pp | 24.14%-6.6pp |
| Employer contribution / active EE | $0 | $1,031-100.0% | $3,558-100.0% | $1,862-100.0% |
| Participant deferral / active EE | $2,013 | $2,200-8.5% | $4,137-51.3% | $2,980-32.5% |
| Admin fee / account holder | $2,132 | $4,583-53.5% | $6,673-68.1% | $3,703-42.4% |