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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 | $51,896 | $48,570+6.8% | $130,660-60.3% | $72,975-28.9% |
| Participation rate | 35.3% | 58.6%-23.3pp | 71.7%-36.5pp | 69.5%-34.2pp |
| Annual return | 21.45% | 38.63%-17.2pp | 1709.29%-1687.8pp | 81.01%-59.6pp |
| Employer contribution / active EE | $0 | $1,334-100.0% | $4,092-100.0% | $2,440-100.0% |
| Participant deferral / active EE | $2,875 | $2,384+20.6% | $3,603-20.2% | $3,608-20.3% |
| Admin fee / account holder | $2,383 | $3,549-32.9% | $5,463-56.4% | $5,124-53.5% |