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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 | $49,926 | $58,726-15.0% | $142,898-65.1% | $85,851-41.8% |
| Participation rate | 46.9% | 58.5%-11.6pp | 72.0%-25.1pp | 69.3%-22.4pp |
| Annual return | 30.07% | 27.73%+2.3pp | 5639.64%-5609.6pp | 318.63%-288.6pp |
| Employer contribution / active EE | $246 | $1,424-82.7% | $4,146-94.1% | $2,565-90.4% |
| Participant deferral / active EE | $2,124 | $2,609-18.6% | $3,838-44.7% | $3,952-46.3% |
| Admin fee / account holder | $1,275 | $4,234-69.9% | $6,560-80.6% | $6,261-79.6% |