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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 | $132,259 | $78,423+68.6% | $95,964+37.8% | $79,856+65.6% |
| Participation rate | 44.3% | 73.5%-29.2pp | 77.1%-32.8pp | 69.6%-25.4pp |
| Annual return | 17.34% | 19.37%-2.0pp | 91.64%-74.3pp | 31.71%-14.4pp |
| Employer contribution / active EE | $0 | $1,945-100.0% | $2,541-100.0% | $2,471-100.0% |
| Participant deferral / active EE | $3,778 | $3,440+9.8% | $4,167-9.3% | $3,741+1.0% |
| Admin fee / account holder | $1,575 | $5,622-72.0% | $6,797-76.8% | $5,306-70.3% |