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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 | $50,776 | $49,976+1.6% | $66,674-23.8% | $82,637-38.6% |
| Participation rate | 35.5% | 63.1%-27.6pp | 73.7%-38.2pp | 68.1%-32.6pp |
| Annual return | 14.81% | 39.09%-24.3pp | 321.24%-306.4pp | 53.51%-38.7pp |
| Employer contribution / active EE | $0 | $1,988-100.0% | $2,620-100.0% | $2,552-100.0% |
| Participant deferral / active EE | $1,221 | $2,847-57.1% | $4,084-70.1% | $4,126-70.4% |
| Admin fee / account holder | $3,533 | $4,594-23.1% | $5,098-30.7% | $7,339-51.9% |