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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 | $44,148 | $48,570-9.1% | $130,660-66.2% | $72,975-39.5% |
| Participation rate | 27.0% | 58.6%-31.5pp | 71.7%-44.7pp | 69.5%-42.5pp |
| Annual return | 22.05% | 38.63%-16.6pp | 1709.29%-1687.2pp | 81.01%-59.0pp |
| Employer contribution / active EE | $243 | $1,334-81.8% | $4,092-94.1% | $2,440-90.0% |
| Participant deferral / active EE | $2,649 | $2,384+11.1% | $3,603-26.5% | $3,608-26.6% |
| Admin fee / account holder | $372 | $3,549-89.5% | $5,463-93.2% | $5,124-92.7% |