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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 | $106,578 | $78,423+35.9% | $95,964+11.1% | $79,856+33.5% |
| Participation rate | 59.3% | 73.5%-14.2pp | 77.1%-17.8pp | 69.6%-10.4pp |
| Annual return | 13.93% | 19.37%-5.4pp | 91.64%-77.7pp | 31.71%-17.8pp |
| Employer contribution / active EE | $0 | $1,945-100.0% | $2,541-100.0% | $2,471-100.0% |
| Participant deferral / active EE | $4,925 | $3,440+43.2% | $4,167+18.2% | $3,741+31.7% |
| Admin fee / account holder | $32,868 | $5,622+484.7% | $6,797+383.6% | $5,306+519.4% |