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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 | $57,132 | $98,766-42.2% | $149,730-61.8% | $79,852-28.5% |
| Participation rate | 35.9% | 75.8%-39.9pp | 82.5%-46.6pp | 69.6%-33.7pp |
| Annual return | 12.41% | 27.43%-15.0pp | 276.70%-264.3pp | 31.72%-19.3pp |
| Employer contribution / active EE | $0 | $3,217-100.0% | $4,645-100.0% | $2,471-100.0% |
| Participant deferral / active EE | $4,370 | $5,681-23.1% | $6,843-36.1% | $3,740+16.8% |
| Admin fee / account holder | $4,887 | $6,052-19.2% | $9,310-47.5% | $5,306-7.9% |