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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 | $50,614 | $72,269-30.0% | $101,271-50.0% | $79,852-36.6% |
| Participation rate | 15.9% | 68.5%-52.6pp | 75.8%-59.9pp | 69.6%-53.7pp |
| Annual return | 51.31% | 22.29%+29.0pp | 46.48%+4.8pp | 31.72%+19.6pp |
| Employer contribution / active EE | $0 | $2,692-100.0% | $3,660-100.0% | $2,471-100.0% |
| Participant deferral / active EE | $1,611 | $3,282-50.9% | $4,371-63.1% | $3,740-56.9% |
| Admin fee / account holder | $4,413 | $4,401+0.3% | $5,948-25.8% | $5,306-16.8% |