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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 | $39,521 | $77,164-48.8% | $178,014-77.8% | $80,874-51.1% |
| Participation rate | 33.0% | 65.7%-32.7pp | 77.1%-44.1pp | 67.6%-34.7pp |
| Annual return | 15.73% | 18.09%-2.4pp | 294.80%-279.1pp | 35.62%-19.9pp |
| Employer contribution / active EE | $0 | $2,288-100.0% | $3,950-100.0% | $2,756-100.0% |
| Participant deferral / active EE | $2,571 | $4,408-41.7% | $6,276-59.0% | $4,297-40.2% |
| Admin fee / account holder | $7,942 | $7,164+10.9% | $10,362-23.4% | $6,935+14.5% |