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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 | $28,463 | $49,657-42.7% | $93,063-69.4% | $67,986-58.1% |
| Participation rate | 19.6% | 49.9%-30.3pp | 72.1%-52.5pp | 57.2%-37.6pp |
| Annual return | 51.08% | 26.27%+24.8pp | 34.15%+16.9pp | 31.67%+19.4pp |
| Employer contribution / active EE | $0 | $1,279-100.0% | $2,476-100.0% | $2,019-100.0% |
| Participant deferral / active EE | $873 | $2,484-64.9% | $3,958-78.0% | $3,358-74.0% |
| Admin fee / account holder | $4,325 | $2,843+52.2% | $6,033-28.3% | $3,203+35.0% |