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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 | $47,122 | $65,555-28.1% | $86,216-45.3% | $75,173-37.3% |
| Participation rate | 46.9% | 60.5%-13.6pp | 69.0%-22.1pp | 67.2%-20.3pp |
| Annual return | 20.28% | 46.07%-25.8pp | 1169.42%-1149.1pp | 160.72%-140.4pp |
| Employer contribution / active EE | $0 | $1,553-100.0% | $2,382-100.0% | $2,671-100.0% |
| Participant deferral / active EE | $3,981 | $3,023+31.7% | $3,986-0.1% | $4,126-3.5% |
| Admin fee / account holder | $13,134 | $5,469+140.1% | $6,853+91.6% | $5,651+132.4% |