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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 | $55,123 | $36,002+53.1% | $161,489-65.9% | $64,728-14.8% |
| Participation rate | 17.7% | 57.4%-39.8pp | 78.7%-61.0pp | 57.9%-40.2pp |
| Annual return | 13.71% | 33.93%-20.2pp | 89.72%-76.0pp | 49.38%-35.7pp |
| Employer contribution / active EE | $0 | $1,380-100.0% | $4,268-100.0% | $2,243-100.0% |
| Participant deferral / active EE | $880 | $1,815-51.5% | $5,630-84.4% | $2,729-67.8% |
| Admin fee / account holder | $1,363 | $931+46.5% | $16,006-91.5% | $1,145+19.0% |