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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 | $23,995 | $48,364-50.4% | $71,796-66.6% | $62,881-61.8% |
| Participation rate | 68.5% | 60.6%+7.9pp | 69.1%-0.6pp | 69.3%-0.8pp |
| Annual return | 10.17% | 13.16%-3.0pp | 78.04%-67.9pp | 20.14%-10.0pp |
| Employer contribution / active EE | $0 | $1,042-100.0% | $1,924-100.0% | $2,281-100.0% |
| Participant deferral / active EE | $1,583 | $2,091-24.3% | $2,794-43.4% | $3,203-50.6% |
| Admin fee / account holder | $1,901 | $3,771-49.6% | $4,815-60.5% | $4,296-55.7% |