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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 | $42,425 | $65,862-35.6% | $124,693-66.0% | $79,391-46.6% |
| Participation rate | 68.8% | 62.2%+6.6pp | 74.6%-5.8pp | 70.7%-1.9pp |
| Annual return | 19.73% | 19.02%+0.7pp | 5144.19%-5124.5pp | 116.88%-97.1pp |
| Employer contribution / active EE | $0 | $1,883-100.0% | $3,324-100.0% | $2,428-100.0% |
| Participant deferral / active EE | $3,846 | $2,772+38.7% | $4,615-16.7% | $4,046-4.9% |
| Admin fee / account holder | $9,172 | $673+1263.3% | $7,494+22.4% | $627+1363.9% |