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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 | $49,073 | $55,457-11.5% | $77,361-36.6% | $94,015-47.8% |
| Participation rate | 17.0% | 69.8%-52.8pp | 75.0%-58.0pp | 70.8%-53.8pp |
| Annual return | 11.03% | 15.57%-4.5pp | 1011.54%-1000.5pp | 17.84%-6.8pp |
| Employer contribution / active EE | $0 | $2,255-100.0% | $2,990-100.0% | $2,790-100.0% |
| Participant deferral / active EE | $1,251 | $3,069-59.3% | $3,911-68.0% | $4,249-70.6% |
| Admin fee / account holder | $517 | $4,334-88.1% | $5,894-91.2% | $8,951-94.2% |