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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 | $41,223 | $34,316+20.1% | $74,719-44.8% | $72,983-43.5% |
| Participation rate | 22.2% | 42.4%-20.2pp | 54.5%-32.2pp | 69.5%-47.3pp |
| Annual return | 20.57% | 26.58%-6.0pp | 753.05%-732.5pp | 81.01%-60.4pp |
| Employer contribution / active EE | $102 | $692-85.2% | $1,084-90.6% | $2,440-95.8% |
| Participant deferral / active EE | $713 | $1,272-43.9% | $1,963-63.7% | $3,608-80.2% |
| Admin fee / account holder | $11,802 | $2,125+455.4% | $3,334+253.9% | $5,124+130.3% |