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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 | $34,822 | $51,244-32.0% | $80,977-57.0% | $55,167-36.9% |
| Participation rate | 41.3% | 71.7%-30.4pp | 75.8%-34.5pp | 69.0%-27.7pp |
| Annual return | 29.26% | 17.39%+11.9pp | 17.11%+12.2pp | 169.23%-140.0pp |
| Employer contribution / active EE | $0 | $1,770-100.0% | $3,715-100.0% | $1,963-100.0% |
| Participant deferral / active EE | $4,868 | $4,418+10.2% | $5,696-14.5% | $3,054+59.4% |
| Admin fee / account holder | $6,927 | $398+1640.2% | $5,517+25.6% | $504+1274.6% |